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Both calculators run independently — change the inputs on either side to compare results.

Required Minimum Distribution Calculator

Computes the IRS-required annual withdrawal from your IRA or 401(k) once you reach age 73. Use it each year to avoid the 25% excise tax penalty for missing your RMD deadline.

Retirement Account Balance (Dec 31) ($)

Current Age (years)

Spouse Age (if applicable) (years)

Marital Status

Fill in the required fields to see your result.

Retirement

Retirement Withdrawal Calculator

Estimate how much you can safely withdraw from your retirement portfolio each year, adjusted for inflation. Use this when planning annual spending in retirement under the 4% rule or a custom rate.

Portfolio Value ($)

Withdrawal Rate

Expected Inflation Rate (%)

Years in Retirement (years)

Fill in the required fields to see your result.

Key differences

	Required Minimum Distribution Calculator	Retirement Withdrawal Calculator
Category	Retirement	Retirement
Inputs required	4	4
Result	Required Minimum Distribution ($)	Adjusted Annual Withdrawal ($)
What it does	Computes the IRS-required annual withdrawal from your IRA or 401(k) once you reach age 73. Use it each year to avoid the 25% excise tax penalty for missing your RMD deadline.	Estimate how much you can safely withdraw from your retirement portfolio each year, adjusted for inflation. Use this when planning annual spending in retirement under the 4% rule or a custom rate.