Financial Calculators

We provide a variety of financial calculators to assist you in understanding your financial needs and how you can address them using various financial and investment plans.

Retirement Savings and Planning

RMD & Stretch IRA Calculator

The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 72 (or 70 1/2 if born before 7/1/1949). Use this calculator to help determine how you can stretch out your payments for as long as possible. This calculator has been updated for the 'SECURE Act of 2019 and CARES Act of 2020'.

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

If you inherit or stretch an IRA, you have certain tax obligations with respect to required minimum distributions, or RMDs. The IRS provides important taxpayer information for beneficiaries of inherited IRAs and other retirement vehicles. RMD rules related to inherited and stretch IRAs are complicated, and missing or neglecting to take the appropriate RMDs can have serious financial consequences. For this reason, you may want to consult with a tax professional as part of your evaluation.