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

Required Minimum Distribution (RMD) Calculator

Calculate the IRS-mandated minimum amount you must withdraw from your 401(k) or IRA each year once you reach age 73. Use this each December to avoid the steep 25% IRS penalty for under-withdrawing.

Account Balance (Dec 31) ($)

Life Expectancy Factor (years)

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 (RMD) Calculator	Retirement Withdrawal Calculator
Category	Retirement	Retirement
Inputs required	2	4
Result	Required Minimum Distribution ($)	Adjusted Annual Withdrawal ($)
What it does	Calculate the IRS-mandated minimum amount you must withdraw from your 401(k) or IRA each year once you reach age 73. Use this each December to avoid the steep 25% IRS penalty for under-withdrawing.	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.