RMD calculators side by side
Custodian calculators, SimpleRMD and professional software, checked October 29, 2026, next to Rmdtally's free worksheet.
| Tool | Price | Many accounts and inherited IRAs in one list? |
|---|---|---|
| Rmdtally | Free worksheet; Pro $9/month or $49/year | Yes, in your browser |
| Custodian calculators (e.g. Fidelity) | Free | One balance at a time |
| SimpleRMD Personal | $149 a year | Yes, with an account |
| Brentmark Retirement Distributions LIVE | Professional software, see vendor | Built for advisers |
A custodian's calculator is the right check for a single account at that custodian. Rmdtally puts every custodian's accounts in one list and groups them the IRS way.
Competitor details checked on 2026-10-29 from their public pages: SimpleRMD pricing, Fidelity RMD calculator, Brentmark Retirement Distributions LIVE. Prices change — check their site for the current offer. Product names are trademarks of their owners; we are not affiliated with them.
FAQ
Does Rmdtally replace my custodian's RMD figure?
No. Custodians report the RMD for accounts they hold. Rmdtally adds them up across custodians, handles inherited accounts and QCDs, and shows what's left.
What does Rmdtally do?
It reads a list of your retirement accounts and works out each one's 2026 required minimum distribution with the IRS life-expectancy tables, groups them the way the IRS lets you combine them, subtracts what you've taken and your QCDs, and shows what's still due by December 31, 2026.
Which accounts have RMDs?
Traditional, rollover, SEP and SIMPLE IRAs, 401(k), 403(b), 457(b) and other employer plans once you reach your RMD age (73 if born 1951–1959, 75 if born 1960 or later), and most inherited accounts. Roth IRAs have none for the owner, and Roth 401(k)/403(b) accounts have none from 2024.
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Accounts and balances aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What's free?
Importing any number of accounts, the 2026 RMD total, the groups, what's still to take, every check, the first 5 accounts and the first 3 years of the estimate on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and both CSVs.
How is the RMD worked out?
December 31, 2025 balance ÷ the divisor for your age in 2026 from the Uniform Lifetime table (Pub. 590-B Table III). Inherited accounts use the Single Life table (Table I) for the beneficiary's age in the year after death, minus one for each year since, or the 10-year rule. If the owner died in 2026 after starting RMDs, whatever part of the owner's 2026 RMD they had not taken must still come out by December 31 (Pub. 590-B).
What isn't covered?
The Joint and Last Survivor table (spouse more than 10 years younger and sole beneficiary), annuitized accounts, 403(b) pre-1987 balances, trusts as beneficiaries and state taxes. Your custodian's figure and a tax professional come first.
Is this tax advice?
No. Rmdtally applies the IRS tables it describes to the numbers you provide. It is a worksheet to check against your custodians' figures.