Planning · Retirement Distributions
Required Minimal Distributions
Project required minimum distributions from your traditional IRA / 401(k), stack them against Social Security and other income, and see the federal tax bracket you'll land in each year.
First-year RMD
$115,691
First-year federal bracket
22%
First RMD Year · Age 73
Starting balance$3,065,805
RMD$115,691
Social Security (gross)$100,000
Taxable Social Security$85,000
Other income$50,000
Federal marginal bracket22%
Federal Bracket Math · Age 73 · Married Filing Jointly
RMD$115,691
+ Taxable Social Security$85,000
+ Other income$50,000
= Taxable income$250,691
| Bracket | Rate | Income in bracket | Tax |
|---|---|---|---|
| $0 – $32,081 | 10% | $32,081 | $3,208 |
| $32,081 – $130,396 | 12% | $98,314 | $11,798 |
| $130,396 – $273,468 | 22% | $120,295 | $26,465 |
| Federal tax | effective 16.5% | $41,471 |
Brackets shown are 2026 Married Filing Jointly figures inflated 2%/yr to age 73. Marginal rate = top bracket your last dollar falls into (22%).
Year-by-Year Projection
Age 73Bracket 22%
Balance$3,065,805RMD$115,691Total tax$41,471
Age 74Bracket 22%
Balance$3,215,624RMD$126,103Total tax$43,488
Age 75Bracket 22%
Balance$3,367,578RMD$136,893Total tax$45,583
Age 76Bracket 22%
Balance$3,521,446RMD$148,584Total tax$47,870
Age 77Bracket 22%
Balance$3,676,420RMD$160,542Total tax$50,210
Age 78Bracket 24%
Balance$3,832,306RMD$174,196Total tax$53,063
Age 79Bracket 24%
Balance$3,987,341RMD$188,973Total tax$56,187
Age 80Bracket 24%
Balance$4,140,220RMD$204,961Total tax$59,593
Age 81Bracket 24%
Balance$4,289,432RMD$221,105Total tax$63,027
Age 82Bracket 24%
Balance$4,434,477RMD$239,701Total tax$67,042
Age 83Bracket 24%
Balance$4,572,305RMD$258,322Total tax$71,053
Age 84Bracket 24%
Balance$4,702,241RMD$279,895Total tax$75,764
Age 85Bracket 24%
Balance$4,820,357RMD$301,272Total tax$80,418
Age 86Bracket 24%
Balance$4,925,802RMD$324,066Total tax$85,403
Age 87Bracket 24%
Balance$5,015,893RMD$348,326Total tax$90,729
Age 88Bracket 24%
Balance$5,087,648RMD$371,361Total tax$95,753
Age 89Bracket 24%
Balance$5,140,752RMD$398,508Total tax$101,752
Age 90Bracket 24%
Balance$5,169,046RMD$423,692Total tax$107,271
Age 91Bracket 24%
Balance$5,172,436RMD$449,777Total tax$112,995
Age 92Bracket 24%
Balance$5,147,698RMD$476,639Total tax$118,895
Age 93Bracket 24%
Balance$5,091,455RMD$504,104Total tax$124,928
Age 94Bracket 24%
Balance$5,000,212RMD$526,338Total tax$129,695
Age 95Bracket 24%
Balance$4,876,522RMD$547,924Total tax$134,295
| Age | Balance | RMD | Fed Bracket | Total Tax |
|---|---|---|---|---|
| 73 | $3,065,805 | $115,691 | 22% | $41,471 |
| 74 | $3,215,624 | $126,103 | 22% | $43,488 |
| 75 | $3,367,578 | $136,893 | 22% | $45,583 |
| 76 | $3,521,446 | $148,584 | 22% | $47,870 |
| 77 | $3,676,420 | $160,542 | 22% | $50,210 |
| 78 | $3,832,306 | $174,196 | 24% | $53,063 |
| 79 | $3,987,341 | $188,973 | 24% | $56,187 |
| 80 | $4,140,220 | $204,961 | 24% | $59,593 |
| 81 | $4,289,432 | $221,105 | 24% | $63,027 |
| 82 | $4,434,477 | $239,701 | 24% | $67,042 |
| 83 | $4,572,305 | $258,322 | 24% | $71,053 |
| 84 | $4,702,241 | $279,895 | 24% | $75,764 |
| 85 | $4,820,357 | $301,272 | 24% | $80,418 |
| 86 | $4,925,802 | $324,066 | 24% | $85,403 |
| 87 | $5,015,893 | $348,326 | 24% | $90,729 |
| 88 | $5,087,648 | $371,361 | 24% | $95,753 |
| 89 | $5,140,752 | $398,508 | 24% | $101,752 |
| 90 | $5,169,046 | $423,692 | 24% | $107,271 |
| 91 | $5,172,436 | $449,777 | 24% | $112,995 |
| 92 | $5,147,698 | $476,639 | 24% | $118,895 |
| 93 | $5,091,455 | $504,104 | 24% | $124,928 |
| 94 | $5,000,212 | $526,338 | 24% | $129,695 |
| 95 | $4,876,522 | $547,924 | 24% | $134,295 |
Required Minimal Distributions · Totals
Required Minimal Distributions$6,926,976
Lifetime Tax$1,856,484
Estimate only. Uses IRS Uniform Lifetime Table (most IRA owners). Assumes RMD is withdrawn at year-end, remaining balance grows at the entered rate. Social Security taxability applies IRC §86 thresholds ($25K/$34K single, $32K/$44K MFJ — not inflation-indexed). Excludes IRMAA Medicare premium surcharges, AMT, deductions, credits, and local taxes.