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SECURE Act of 2019 Calculator Update

SECURE Act of 2019 Changes to Distribution Rules

The SECURE Act of 2019 was signed into law on December 20th, 2019. Are your calculators ready? The best, most up to date, and easiest to use financial calculators. Anywhere.

SECURE Act of 2019 Updated Calculators

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New Calculator!RMD & Stretch IRA CalculatorUse this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
New Calculator!Required Minimum Distribution (RMD)Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future year's distribution requirements.
New Calculator!Required Minimum Distribution (RMD) - Current YearUse this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account for the current year.
New Calculator!Required Minimum Distribution (RMD) - Future ProjectionUse this calculator to create a projection of your future Required Minimum Distributions (RMD) as an owner of a qualified retirement account.
New Calculator!Required Minimum Distribution (RMD) - with Stretch ProjectionUse this calculator to create a stretch projection for Required Minimum Distributions (RMD) of a qualified retirement account.
New Calculator!Beneficiary Required Minimum Distributions (RMD)Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.
New Calculator!Beneficiary Required Minimum Distributions (RMD) - Designated Eligible BeneficiaryUse this calculator to create a projection of your future Required Minimum Distributions (RMD) as a "Designated Eligible Beneficiary" of a qualified retirement account.
New Calculator!Beneficiary Required Minimum Distributions (RMD) - Spouse Inherited IRAUse this calculator to create a future projection and Required Minimum Distributions (RMD) as a spouse beneficiary electing not to treat the inherited retirement account as his/her own.
New Calculator!457 Plan Roth Conversion with Distributions CalculatorUse this calculator to help determine if converting your 457 plan account to a 457 Roth plan account is a good move for you.
New Calculator!Roth 401(k) Conversion CalculatorThis calculator will show the advantage, if any, of converting your pre-tax 401(k) to a Roth 401(k).
New Calculator!Roth IRA Conversion with Distributions CalculatorUse this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.
  1. SECURE Act of 2019 new age for starting Required Minimum Distributions (RMD):

    The Act changed the age that RMDs must begin and for most account owners. For account owners born after 6/30/1949 RMDs are required now to start at age 72. Account owners born on 6/30/1949 or earlier continue to use 70 1/2 as their start age. This also means that if RMDs have already started for an account, you must continue the distributions even if you are not 72.

    Generally, for account owners and their spouses, the SECURE Act did not change how the RMD is calculated; it only changed the age that they start.

  2. SECURE Act of 2019 most Beneficiaries can't stretch distributions beyond 10 years

    Allowing the beneficiary of a retirement account to stretch out distributions over their life time has been significantly impacted by the SECURE Act of 2019. Previously, all beneficiaries had this option. With the new law only designated eligible beneficiaries are allowed this type of minimum distribution. If you are not a designated eligible beneficiary, you have until 12/31 of the year that contains the 10th anniversary of the original account owner's death to withdraw all funds from the account. There are no minimum withdrawals during this 10 year period, but all funds must be withdrawn before the deadline to avoid significant penalties. Designated eligible beneficiaries are a surviving spouse, a child of the account owner (but generally only until they are 18, at that point the 10 year rule begins) or a chronically ill individual. For more information please see Modification of Required Distribution Rules for Designated Beneficiaries.

IMPORTANT! The calculators have been updated for the SECURE Act of 2019. However, while the new law is effective as of January 1st, 2020 the IRS has not released procedures for its implementation. Future IRS published procedures may have an impact on enforcement and interpretation of the Act.