RMD Projection & Reinvestment Planner
This worksheet helps you estimate your Required Minimum Distributions over the coming years and plan what to do with the distributions you don't need for living expenses. Review annually and update account balances each December 31.
💰Withdrawal PlanningThis worksheet helps you estimate your Required Minimum Distributions over the coming years and plan what to do with the distributions you don't need for living expenses. Review annually and update account balances each December 31.
Section A: Your Account Balances (as of Dec 31)
Section B: RMD Calculation Table
Divide your prior December 31 balance by the IRS Uniform Lifetime Table factor for your age. The table below shows common factors—use IRS Publication 590-B for the full table or ask your custodian.
Section C: Multi-Year RMD Projection
Estimate future RMDs assuming a 5% annual portfolio growth rate (adjust for your own assumptions).
Section D: Reinvestment Decision
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