Integrated Planning Partners
401(k) & IRA Tax Calc
401(k) & IRA Tax Projector

What does the IRS own in your 401(k) or IRA?

Enter your numbers below. We'll walk your required distributions out to your horizon age and show what the IRS collects along the way — federal and state.

Your Numbers

Set by birth year under SECURE 2.0, with no partial-year exceptions — even someone born December 31, 1959 uses age 73, while someone born one day later, January 1, 1960, uses age 75.
Models the risk of federal brackets rising from today's rates — added as percentage points to every bracket (e.g. +2% turns a 22% bracket into 24%). Applies to federal tax only.
Used to estimate how much of Social Security becomes taxable alongside RMDs. Not included in the state tax calculation below.
Taxed as ordinary income at both federal and state level, and counted toward Social Security's taxability calculation. Some states fully or partially exempt government pensions specifically — that distinction isn't modeled here, so this may overstate state tax for government pensioners in those states.
RMD schedule uses the IRS Uniform Lifetime Table, your selected SECURE 2.0 start age (73 or 75), and 2026 federal brackets / standard deduction. Federal tax includes any Social Security made taxable by provisional income. State figures reflect qualified-plan-specific treatment for the 9 no-income-tax states plus IL, IA, MS, PA, and MI, which fully exempt retirement distributions; other states show a simplified flat/top-marginal rate and may have partial pension exclusions not modeled here. This is a planning estimate, not tax advice.

Projected Impact

$0
Total RMDs Forced Out
$0
Total Fed + State Tax
0%
Blended Effective Rate
$0
Balance at Horizon
Age Year-End Balance RMD Pension Taxable SS Fed Tax State Tax Net Cash Flow

Figures are illustrative only, generated from a simplified model: IRS Uniform Lifetime Table divisors, current-law 2026 federal marginal brackets and standard deduction applied to RMD income only (no other income, credits, or deductions modeled), and a single representative state income tax rate per state of residence. Actual tax liability depends on total household income, filing details, deductions, and current tax law, which may change. This tool does not constitute tax, legal, or investment advice — consult a qualified tax professional for your specific situation.