Household
Who files, and where you live on December 31.
Accounts
Balances today. Traditional IRA and 401(k) balances on last December 31 set this year’s RMD.
Income and spending
What arrives this year whatever you withdraw, and what you plan to spend after tax.
Target lines, highest priority first
Draws stay under every line while they can. When money runs short, the lowest line on this list is the first one crossed.
No lines yet. With none, withdrawals follow your fill order with no line to stay under.
Conversion and order
Which account pays for spending first, and whether to convert traditional savings to Roth this year.
State details
Details some states ask about. Choose your state in Household first.
Your answer
Nothing to work out yet. Fill in Household, Accounts, and Income and spending; the answer appears here and changes as you type.
Target lines are optional. With none, withdrawals follow your fill order with no line to stay under.