SimpleRMD
Boldin
Empower
Quicken
Expenses: Simple Tracker
FinancialAha Free Calculators
Simplifying Calculation
YNAB
Mint
HomeBank
GnuCash
Money Manager Ex
Quicken
Monarch
EveryDollar
Required Minimum Distributions are one of retirement's most stressful annual rituals โ and the consequences for getting them wrong are real. Miss your RMD, and the IRS charges a 25% excise tax on the shortfall. Miscalculate, and you either overpay taxes or under distribute and face the penalty later.
SimpleRMD is the tool that makes this one annual task unambiguous.
The free calculator uses the official IRS Uniform Lifetime Table (for account owners) and Single Life Expectancy Table (for inherited IRAs), accepts Dec 31 prior-year balances, and returns the exact RMD amount with the math shown. No account required. No newsletter trap.
The $99/year paid tier adds: saved inputs year over year, multi-account dashboards for retirees with IRAs at multiple brokerages, November deadline reminders, and CPA-ready PDF exports that include the factor used, the account balance, the calculation, and the distribution date โ exactly what your tax pro needs to file cleanly.
SimpleRMD was built by someone who has personally managed this process for 15+ years across multiple accounts. That experience shapes every design decision: the calculator shows the math because retirees don't trust black boxes. The exports use the language your CPA expects because they've been the ones asking for this data. The reminders go out in November because December is already too stressful.
SimpleRMD is not a brokerage. It holds no funds. It gives no tax, legal, or investment advice. It calculates, tracks, and helps you share the right number with the right people on time.
For the tens of millions of Americans age 73 or older, and anyone navigating an inherited IRA, this should just be easy. Now it is.
SimpleRMD YNABNo SimpleRMD videos yet. You could help us improve this page by suggesting one.
Based on our record, YNAB seems to be more popular. It has been mentiond 1 time since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.
Clickable link: https://ynab.com I'm a huge fan of You Need A Budget, it was instrumental in giving me control over my finances. It feels like a superpower to see all my money in one place and not care which bank account the dollars actually reside. Also makes it easier to take advantage of various offers (Credit card or things like HYSA) since I know all the records will live in YNAB and I have full control... - Source: Hacker News / 8 months ago
You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: about 3 years ago
I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. Thereโs zero money saved if you pay... Source: about 3 years ago
If you arenโt already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: about 3 years ago
Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 3 years ago
Boldin - The #1 retirement planning tool online. Go beyond savings and investments with the best and most comprehensive financial planning software.
Mint - Free personal finance software to assist you to manage your money, financial planning, and budget planning tools. Achieve your financial goals with Mint.
Empower - Our vision is to transform financial lives through advice, people and technology. Our mission is to empower financial freedom for all.
HomeBank - Free, easy, personal accounting, for everyone
Quicken - Stay in control of your monthly cash flows, budgets, and expenditures. Quicken provides a navigable interface where you can organize your debit, credit, and savings, and build good habits accordingly.
GnuCash - A personal and small-business financial-accounting software, licensed under GNU/GPL and available for Linux, Windows, Mac OS X, BSD, and Solaris.
