RMDAnalyzer
Understand Your Retirement
About
This app helps individuals forecast their Required Minimum Distributions (RMDs) from retirement accounts. It allows users to model different withdrawal strategies and compare their potential after-tax outcomes to a baseline scenario, aiding in tax planning for themselves and heirs.
What's New in RMDAnalyzer
1.0
October 16, 2025
Developer apps
FAQ
What is RMDAnalyzer?
RMDAnalyzer is a personal finance application designed to help users understand and forecast their Required Minimum Distributions (RMDs) from retirement accounts like IRAs and 401(k)s. It provides tools to simulate different withdrawal strategies and analyze their impact on after-tax outcomes.
How does RMDAnalyzer forecast RMDs?
The app uses the IRS Uniform Lifetime Table for RMD calculations, factoring in the user's filing status and baseline taxable income, along with projected portfolio growth. It employs a specific end-balance convention for its calculations.
Can RMDAnalyzer help with tax planning for heirs?
Yes, RMDAnalyzer allows you to stress-test taxes for heirs by simulating various withdrawal scenarios. You can compare the projected after-tax lift for heirs under different plans versus a baseline scenario.
What kind of 'What-If' scenarios can I run?
You can simulate 'What-If' plans such as filling tax brackets up to a certain headroom percentage, setting withdrawal caps, adjusting timing, and repeating years. These scenarios help visualize potential tax bracket optimization.
Does RMDAnalyzer provide financial advice?
No, RMDAnalyzer is strictly for educational modeling and does not provide financial advice. Users are reminded that reports may contain sensitive personal financial data and should be shared only with trusted parties.
What platforms is RMDAnalyzer available on?
RMDAnalyzer is available for iPhone and iPad devices. It is designed for personal use and is not intended for commercial client-facing reports, for which a Pro version would be required.
How often is RMDAnalyzer updated?
The application was last updated on October 16, 2025, with version 1.0. Users are advised to rerun forecasts when new tax tables are published to ensure accuracy.
What is the price of RMDAnalyzer?
RMDAnalyzer is a paid application priced at $9.99. There are no in-app purchases or advertisements associated with this version.