
Simple RMD
FeaturedCalculate, aggregate, and manage your annual IRA required minimum distributions.
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About Simple RMD
Simple RMD turns one of the most stressful parts of retirement into a two-minute task. The moment you turn 73, the IRS makes you pull a Required Minimum Distribution out of your traditional IRA every year, and the amount shifts annually with your balance and your age. Get it wrong and the penalty is steep. This tool exists so you never have to relearn that math again.
You enter your account balances and your date of birth. Simple RMD does the rest, using the current IRS Uniform Lifetime and Joint Life tables, and tells you exactly what to withdraw this year, broken down per account and totaled across everything you hold.
Most RMD tools stop at a single number. Simple RMD is a dashboard.
It pulls every IRA into one place and tracks your progress through the year, so you can see what you've already taken out versus what's still owed. Share a clean summary with your spouse or your kids, and when tax season lands, export a formatted PDF and hand it straight to your accountant instead of rebuilding a spreadsheet.
It keeps up with the rules, too. SECURE Act and SECURE 2.0 changes are baked in, so you're never calculating against outdated figures.
Best of all, it's built for real people managing their own retirement, not for finance pros. The interface is plain and the language is plain. Know your number, hit your deadline, and skip paying an advisor to tell you what a calculator can.
Key Features
- Current IRS Uniform Lifetime and Joint Life expectancy tables built in
- Aggregates every IRA into one dashboard with a single yearly total
- Tracks SECURE Act and SECURE 2.0 rule changes automatically
- Year-round progress tracking so you never miss the withdrawal deadline
- Shareable summaries for a spouse, family, or financial advisor
- One-click PDF export formatted for your accountant at tax time
Pros & Cons
What we like
- Removes the yearly guesswork and re-learning of RMD math
- Pulls every IRA into a single clear view instead of separate statements
- Export-ready reports save real time during tax season
- Clean, jargon-free interface built for retirees rather than accountants
Room for improvement
- Focused on IRAs, not every possible retirement account type
- Newer product, so the long-term track record is still building
- Web only for now, with no dedicated mobile app yet



