IRS Publication 590-B Tool

RMD Calendar + Tax Impact Estimator

Calculate required minimum distributions using the IRS Uniform Lifetime Table, project the year-by-year tax drag, and frame the schedule against how many RMD years local longevity suggests you may need to plan for.

IRS 590-B Uniform Lifetime Table
Year-over-year withdrawal and tax view
County-aware longevity framing + reminder schedule
Retirement Shield Tool
Step 1 of 3
See the RMD schedule before it becomes a year-end scramble.
This tool estimates the next RMD deadline, the yearly withdrawal path, and the rough tax cost if distributions continue through the likely planning horizon.
Step 1 of 3
Whose RMD calendar are we building?
These fields set the required beginning age, the first deadline logic, and the local longevity overlay shown in the saved report.
If a ZIP match is found, county and state can be auto-filled for the longevity overlay.
Why this matters
RMDs create a recurring tax event that retirees often underestimate until late in the year.
What this catches
The first-year April 1 deadline, the usual December 31 cadence, and how rising balances change future distributions.
What comes later
Reminder rows are saved so this can become an annual re-engagement system instead of a one-time calculator.
Step 2 of 3
What account balance and tax assumptions should we project?
Use the prior December 31 balance for the current-year RMD. The tax estimate applies the entered federal and state marginal rates to projected RMDs year by year.
Step 3 of 3
How should the reminder and planning layer be framed?
The saved report will include the next deadline plus 90-day, 30-day, and 7-day reminder dates if enough time remains before the deadline.
Building Your RMD Calendar
Calculating the IRS divisor, next deadline, tax drag, and planning horizon.
1
Matching age to the required beginning age rule and the IRS divisor table...
2
Projecting the annual RMD schedule from the prior year-end balance forward...
3
Estimating the year-by-year federal and state tax drag on those distributions...
4
Saving the report and building reminder dates around the next RMD deadline...
IRS 590-B RMD Planning Report
RMD Calendar + Tax Impact Estimator
A saved year-by-year required minimum distribution report with deadline reminders and local longevity framing.
Prepared for —
County overlay pending
Generated —
Annual Withdrawal Map
Your next estimated RMD and the years after it.
The report summary appears here after the tool is run.
Longevity Overlay
How many RMD years are you statistically planning for?
The county-adjusted planning horizon will appear here.
Next RMD
$0
Current-year estimate
Next Deadline
—
Normal annual cadence
Estimated Tax on Next RMD
$0
Federal + state estimate
Planning Snapshot
The three numbers that matter most right now
These cards anchor the conversation before someone dives into the yearly table.
RMD status
Year-By-Year Projection
How the withdrawal and tax drag change over time
Each row shows the projected year-end balance used for the next cycle, the divisor applied, and the estimated taxes tied to that year's RMD.
Projection
Reminder Calendar
What date should trigger follow-up before the deadline?
These dates are saved with the report so the product can re-engage the user every year instead of hoping they remember in December.
Reminder cadence
The planning callout appears here after the report is generated.
Saved to your portal Documents tab when generated. Use Edit to revise assumptions without losing the look and flow of the current tools.

Important Disclosures: This RMD tool is for educational purposes only and does not constitute tax, legal, investment, or financial advice. Required minimum distributions are estimated using the Uniform Lifetime Table from IRS Publication 590-B and simplified assumptions entered by the user. Tax and IRMAA estimates are rough planning estimates; they are not a substitute for tax preparation, bracket-level modeling, Medicare premium determinations, or advice from a CPA or enrolled agent. County and ZIP-based longevity framing is illustrative and should be treated as a planning prompt, not a prediction. Review all RMD timing, withholding, beneficiary, and rollover decisions with a qualified tax professional before acting. © 2026 Retirement Shield. All rights reserved.