PlanTrellis Prototype • 2026 Retirement Planning Tools
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Retirement Planning • 2026

2026 RMD Calculator

A comprehensive 2026 RMD calculator with account-by-account RMDs, federal and state tax impact, Qualified Charitable Distribution (QCD) planning, first-year timing, Medicare IRMAA awareness, multi-year projections, and a client-ready printable report.

Case controls

Load the sample case, add retirement accounts, then generate the RMD analysis. All calculations run locally in your browser.

Client & RMD Profile

2026 RMD age, filing status, spouse exception, and planning assumptions.

Used to identify the more-than-10-years-younger spouse exception.

Retirement Accounts

Enter each account separately. The tool shows where aggregation may be permitted and where plan-specific distributions are generally required.

RMDs are calculated from the prior year-end balance. For 2026 owner RMDs, use the December 31, 2025 account balance. IRA RMDs are calculated separately but may generally be aggregated across IRAs; 403(b) RMDs have separate aggregation rules; 401(k)/qualified-plan RMDs generally must be satisfied from each plan.

Federal, State & Medicare Inputs

Advisor-level inputs improve the tax estimate without pretending to replace tax-preparation software.

Best input for incremental tax analysis. Use projected 2026 taxable income before the RMD strategy modeled here.
Used for enhanced-senior-deduction phaseout and Medicare IRMAA awareness.
Use state taxable income if available from planning software.
Auto-filled for states with broad exemptions. Override for age-based or partial state exclusions.
Leave blank to use the 2026 PlanTrellis planning default for the selected state.

Qualified Charitable Distribution (QCD)

Compare the ordinary RMD with a charitable strategy using a qualifying QCD.

For this RMD comparison, the modeled QCD is capped at the calculated RMD amount.
Use only for distributions not already entered with an individual account.
2026 QCD planning note: The annual QCD exclusion limit is $111,000 per eligible IRA owner. The IRA owner must be at least age 70½ when the distribution is made, and the payment generally must go directly from the IRA trustee or custodian to an eligible charitable organization. A qualifying QCD can satisfy all or part of an RMD and the excludable amount is generally not included in taxable income. The same excluded QCD amount cannot also be claimed as a charitable deduction. Special rules can reduce the excludable QCD amount for certain deductible IRA contributions made after age 70½. A QCD may exceed the RMD, subject to the annual limit, but this RMD calculator compares only the portion used to satisfy the RMD. Verify eligibility, charity status, transfer mechanics, and tax reporting with the client's tax professional and IRA custodian.

2026 RMD Planning Analysis

Updates automatically as inputs change.

Account-by-Account RMD Detail

RMD & QCD Comparison

Planning Opportunities & Watch Items

Multi-Year Projection

Projected Retirement Balance and Annual RMD

Projected year-end balance Annual RMD

2026 RMD Planning Analysis

PlanTrellis

2026 RMD Snapshot

Federal & State Tax Impact

RMD & QCD Comparison

Planning Opportunities

Account Detail

Projection

Calculation Detail & Assumptions

2026 methodology sources: IRS Publication 590-B and IRS RMD guidance for life-expectancy tables, required beginning dates, first-year timing and QCD treatment; IRS 2026 tax-rate schedules and inflation adjustments for federal brackets and deductions; CMS 2026 Medicare Part B and Part D IRMAA thresholds; Tax Foundation 2026 state individual income-tax rates and brackets. State retirement-income exclusions are simplified for planning and should be verified with the applicable state revenue authority. For 2026, the annual QCD exclusion limit is $111,000 per eligible IRA owner; QCD eligibility, eligible charities, direct-transfer requirements, deductible-IRA-contribution adjustments, and tax reporting should be verified with the client's tax professional and IRA custodian. This analysis is for planning and educational use and is not tax, legal, investment, or accounting advice.