Introduction
SimpleRMD is a free RMD calculator built for anyone managing retirement accounts. It helps IRA owners calculate required minimum distributions, track deadlines, and avoid IRS penalties. The tool is easy to use, requires no signup for basic calculations, and offers a dashboard for people with multiple IRAs.
What is SimpleRMD?
SimpleRMD is an online platform designed to simplify required minimum distributions, commonly called RMDs. It solves the problem of calculating RMDs manually across different retirement accounts. The platform connects accounts, uses IRS life expectancy tables, and provides an RMD calculator that gives accurate numbers in under two minutes. It matters because missing an RMD can lead to steep IRS penalties, and many people find the rules confusing. SimpleRMD is suitable for retirees, beneficiaries, and professionals who support them.
For people with more than one IRA, the RMD calculator makes it easy to see the full picture. The RMD calculator also gives a complete view for retirement planning. Instead of checking each brokerage separately, a user can see all required minimum distributions in one dashboard. This helps avoid mistakes and makes year-end planning less stressful. The tool is especially useful for inherited IRAs, where the 10-year rule and other IRS rules can be hard to follow.
Key Features of SimpleRMD
Accurate RMD Calculator
The free RMD calculator uses the same IRS life expectancy tables CPAs use, so results are reliable. The calculation is updated for 2026, and it can be used without creating an account. For many people, this is the fastest way to get a required minimum distribution estimate.
Multi-Account Dashboard
The dashboard works with the RMD calculator to bring all IRAs together in one view. Whether accounts are at Fidelity, Schwab, or Vanguard, users can see every required minimum distribution amount in one place. This is a practical solution for anyone who has accumulated multiple retirement accounts over the years.
Smart Reminders
SimpleRMD sends deadline reminders before RMD deadlines. Users who run the RMD calculator can add these reminders to their plan. The reminders are practical and not spammy, helping users avoid December scrambling. Missing an RMD deadline can result in steep penalties, so reminders add real value.
CPA-Ready Reports
Users can export a professional PDF that summarizes their RMD calculations. The RMD calculator relies on IRS tables, so the report is simple enough for tax professionals to use quickly. This makes tax season easier for both account holders and their advisors.
Read-Only Sharing
Account holders can share read-only access with family members or accountants. After using the RMD calculator, they can share the results without changing account details. This is a safe way to keep all parties on the same page.
Use Cases for SimpleRMD
Managing Your Own RMDs
Multiple IRAs and different brokerages make RMDs complicated. SimpleRMD calculates the total required minimum distribution and tracks each account. The RMD calculator reduces the need for spreadsheets and manual math.
Handling an Inherited IRA
Inherited IRA rules, including the 10-year rule, can be confusing. The RMD calculator supports inherited IRA scenarios, and SimpleRMD calculates what is owed and tracks deadlines across accounts. This gives beneficiaries a clearer path forward and helps them avoid penalties.
Getting Ready for Tax Season
RMD amounts affect taxable income. Users can run the RMD calculator to plan for withdrawals and produce CPA-ready reports before meeting with a tax advisor. The dashboard gives a complete summary of all required minimum distributions for the year.
How to Use SimpleRMD
- Visit the SimpleRMD website and open the free RMD calculator.
- Enter account details into the RMD calculator or connect retirement accounts.
- Review the calculated required minimum distribution amounts.
- Create an account to save RMD calculator inputs, track deadlines, and get reminders.
- Export a PDF report for your CPA or share access with a financial advisor.
The first three steps do not require an account. The paid plan unlocks saving features and tracking tools.
Target Audience for SimpleRMD
- Retirees who need to calculate required minimum distributions each year.
- IRA owners with multiple accounts at different brokerages.
- Beneficiaries managing inherited IRA RMDs.
- Accountants and financial advisors looking for an efficient RMD tracking tool.
- Anyone who wants to avoid RMD penalties and stay organized.
- People who want a reliable RMD calculator can start with the free version.
Is SimpleRMD Free?
SimpleRMD offers a free RMD calculator that requires no signup. This free RMD calculator is enough for anyone who needs to know their required minimum distributions quickly. Paid plans add features such as saved inputs, a multi-account dashboard, smart reminders, and PDF exports. Exact pricing details are available on the official pricing page.
| Plan | Price | Features |
|---|---|---|
| Free Calculator | $0 | Basic RMD calculation, no signup |
| Paid Plan | See official pricing | Save inputs, dashboard, reminders, PDF exports, read-only sharing |
SimpleRMD's Pros and Cons
| Aspect | Pros | Cons |
|---|---|---|
| Accessibility | Free RMD calculator available | Advanced features require paid plan |
| Functionality | Multi-account dashboard and reminders | Full tracking features not in free tier |
| Accuracy | Uses IRS life expectancy tables | Not a substitute for professional tax advice |
| Usability | Simple interface, clear output | Limited to RMD-related calculations |
Frequently Asked Questions about SimpleRMD
What is an RMD calculator?
An RMD calculator is a tool that helps IRA owners and beneficiaries determine their required minimum distribution for the year. SimpleRMD's RMD calculator uses IRS life expectancy tables and provides quick results.
Is SimpleRMD free to use?
The basic RMD calculator on SimpleRMD is free, and no signup is required. To save inputs, see a multi-account dashboard, and receive reminders, users need a paid plan.
Does SimpleRMD handle inherited IRA RMDs?
Yes. The RMD calculator handles inherited IRA RMDs, including distributions that fall under the 10-year rule. SimpleRMD tracks deadlines across inherited accounts to reduce confusion.
Can I share my RMD information with my accountant?
Yes. SimpleRMD offers read-only sharing, which lets users share account-level access with family or accountants. Users can also export CPA-ready PDF reports.
Are SimpleRMD calculations accurate?
The RMD calculator is accurate because it uses the same IRS life expectancy tables that CPAs use, and the platform is updated for 2026. However, it is a calculation and tracking tool, not a replacement for professional tax advice.
Does SimpleRMD give tax advice?
No. The RMD calculator provides calculations, reminders, and tracking tools only. It does not provide tax, legal, or financial advice, so users should consult a qualified tax professional for their situation.
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