Rmd

RMDs don't have to mean massive tax bills. With the right planning — ideally starting years before your first required distribution — you can substantially reduce the lifetime tax burden on your savings.

Miss an RMD and the IRS takes 25% of what you should have withdrawn. Our calculator helps you get it exactly right — and plan years ahead to minimize the tax impact.

The RMD rules have changed twice in recent years, catching many retirees off guard. Here's exactly what you need to know about when distributions must begin, how they're calculated, and what happens if you miss the deadline.