# RMDAnalyzer — Understand Your Retirement

> Retirement account RMD forecasting and after-tax outcome simulation tool. (iPhone/iPad app by Joseph Walker.)

- Source: https://appshunter.io/ios/app/rmdanalyzer/id6753994543 (this page in markdown: same URL + `.md`)
- Developer: [Joseph Walker](https://appshunter.io/developer/1841235861)
- Category: Finance, Lifestyle
- Price: $9.99
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 18.5 · 1 MB
- Languages: American English
- Released: 2025-10-16
- Data updated: 2026-07-02
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/rmdanalyzer/id6753994543/reviews.md

## What is RMDAnalyzer?

Why RMDAnalyzer

RMDAnalyzer helps you see how today’s choices affect tomorrow’s after-tax outcomes. Run a baseline RMD forecast, try a What-If plan (like “fill my bracket to 80% each year”), and Compare to Baseline to see your end-of-plan, after-tax lift.


Who it’s for:
Individuals planning RMDs from IRAs/401(k)s

Families stress-testing taxes for heirs.

Financial enthusiasts who want transparent math.

Personal Version — Not for commercial use. For client-facing reports, upgrade to Pro.


Key Features (with Definitions & Benefits)

1) Baseline RMD Forecast: 

What it does: Year-by-year RMDs using the IRS Uniform Lifetime Table (owner), taxed using your filing status and baseline taxable income, with portfolio growth.	

Age 73 divisor = 26.5 (owner table).
End balance convention: (Start − RMD − Extra) × (1 + return).

Optional “Today’s dollars” display in Settings.

2) What-If Planner (Headroom, Cap, Timing, Repeat)

What it does: Simulates additional withdrawals to “fill” a tax bracket up to a chosen headroom %, with optional max per-year cap, timing (this year/next year/annually), and a repeat years limit.
	
After-Tax Bucket destination with custom return and tax drag.
“Show as read-only account” to visualize the bucket alongside your accounts.

3) Compare to Baseline (Δ Terminal After-Tax)

What it shows: Clear “lift” vs doing nothing extra.
Δ Terminal after-tax = (Heirs after-tax in Scenario + After-Tax Bucket) − (Heirs after-tax in Baseline).
Δ Lifetime taxes = total taxes (Scenario) − total taxes (Baseline).

Tip: If heirs-after-tax doesn’t change much, Δ Terminal ≈ After-Tax Bucket.

4) Filing Status & Tax Tables

What it does: Choose Single or Married Filing Jointly; “Tax Table In Use” shows the active year and source.
Reminder: Rerun forecasts when new tax tables are published.

5) Per-Account Return Overrides

What it does: Set expected returns per account, with a global fallback.
	
6) Landscape PDF Export with Glossary
What it does: Exports a clean, landscape PDF that:
Prunes empty “all-dash” columns
Includes Inputs, Headline, What-If Summary (with compare line), and full Forecast table
Adds a Glossary page (Uniform Lifetime divisor + end-balance formula)
Prints a privacy caution footer by default


Sensitive info: Reports may include personal financial data. Share only with trusted parties.


What’s New:
Compare header layout improved (separate label/amount lines)
Filing status picker (Single/MFJ) reflected across app and PDF
PDF defaults to landscape; auto-prunes empty columns; adds Glossary
Stability: share sheet presents only after export is fully written

App Privacy:
No ads. No third-party trackers.
Data stays on device except when you export/share a PDF.
Not tax advice. Educational modeling only.

Review Notes:
Uses the IRS Uniform Lifetime Table (owner) (e.g., age 73 = 26.5).
End-balance convention: (Start − RMD − Extra) × (1 + return).
No financial advice; educational modeling.
Share sheet presents only after file exists and is non-empty.

## Key features

- Baseline RMD forecast
- What-If withdrawal planner
- Compare to baseline analysis
- Filing status and tax table selection
- Per-account return overrides
- Landscape PDF export with glossary


## Frequently asked questions about RMDAnalyzer

### 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.

## Version history (last 1 release)

### 1.0 — 2025-10-16

No release notes.

## More apps by Joseph Walker

- [Do The Hard Thing](https://appshunter.io/ios/app/do-the-hard-thing/id6752832858)
- [HeadroomCalc](https://appshunter.io/ios/app/headroomcalc/id6754173227)
- [Big Joke](https://appshunter.io/ios/app/big-joke/id6771604436)

All apps by Joseph Walker: https://appshunter.io/developer/1841235861

## Related topics

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-02.*