RMDAnalyzer

Why RMDAnalyzer

RMDAnalyzer helps you see how today’s choices affect tomorrow’s after-tax outcomes. Run a baseline RMD forecast, try a What-If plan (like “fill my bracket to 80% each year”), and Compare to Baseline to see your end-of-plan, after-tax lift.


Who it’s for:
Individuals planning RMDs from IRAs/401(k)s

Families stress-testing taxes for heirs.

Financial enthusiasts who want transparent math.

Personal Version — Not for commercial use. For client-facing reports, upgrade to Pro.


Key Features (with Definitions & Benefits)

1) Baseline RMD Forecast:

What it does: Year-by-year RMDs using the IRS Uniform Lifetime Table (owner), taxed using your filing status and baseline taxable income, with portfolio growth.

Age 73 divisor = 26.5 (owner table).
End balance convention: (Start − RMD − Extra) × (1 + return).

Optional “Today’s dollars” display in Settings.

2) What-If Planner (Headroom, Cap, Timing, Repeat)

What it does: Simulates additional withdrawals to “fill” a tax bracket up to a chosen headroom %, with optional max per-year cap, timing (this year/next year/annually), and a repeat years limit.

After-Tax Bucket destination with custom return and tax drag.
“Show as read-only account” to visualize the bucket alongside your accounts.

3) Compare to Baseline (Δ Terminal After-Tax)

What it shows: Clear “lift” vs doing nothing extra.
Δ Terminal after-tax = (Heirs after-tax in Scenario + After-Tax Bucket) − (Heirs after-tax in Baseline).
Δ Lifetime taxes = total taxes (Scenario) − total taxes (Baseline).

Tip: If heirs-after-tax doesn’t change much, Δ Terminal ≈ After-Tax Bucket.

4) Filing Status & Tax Tables

What it does: Choose Single or Married Filing Jointly; “Tax Table In Use” shows the active year and source.
Reminder: Rerun forecasts when new tax tables are published.

5) Per-Account Return Overrides

What it does: Set expected returns per account, with a global fallback.

6) Landscape PDF Export with Glossary
What it does: Exports a clean, landscape PDF that:
Prunes empty “all-dash” columns
Includes Inputs, Headline, What-If Summary (with compare line), and full Forecast table
Adds a Glossary page (Uniform Lifetime divisor + end-balance formula)
Prints a privacy caution footer by default


Sensitive info: Reports may include personal financial data. Share only with trusted parties.


What’s New:
Compare header layout improved (separate label/amount lines)
Filing status picker (Single/MFJ) reflected across app and PDF
PDF defaults to landscape; auto-prunes empty columns; adds Glossary
Stability: share sheet presents only after export is fully written

App Privacy:
No ads. No third-party trackers.
Data stays on device except when you export/share a PDF.
Not tax advice. Educational modeling only.

Review Notes:
Uses the IRS Uniform Lifetime Table (owner) (e.g., age 73 = 26.5).
End-balance convention: (Start − RMD − Extra) × (1 + return).
No financial advice; educational modeling.
Share sheet presents only after file exists and is non-empty.