SimpleRMD was built for individuals — but advisors and accountants keep finding it. The reason is straightforward: your clients need accurate RMD calculations, and they need a clean way to get those numbers to you. That's exactly what SimpleRMD does.
The calculator is free, requires no account, and uses the same IRS life expectancy tables you'd reference yourself. When your clients run their numbers, they can export a one-page PDF summary and bring it to your next meeting — organized, sourced, and ready to file.
We're not trying to replace your expertise. We're trying to make sure your clients show up prepared.
What Your Clients Get
SimpleRMD walks your clients through the RMD calculation process without requiring them to understand which IRS table to use or how aggregation works. They enter their account balances, and the calculator handles the rest.
The free calculator covers:
- Traditional IRA, Rollover IRA, SEP IRA, SIMPLE IRA, 401(k), and 403(b) accounts
- Uniform Lifetime Table and Joint Life Table selection (automatic, based on inputs)
- Multi-account aggregation — calculates each account's RMD separately, then shows the combined total
- Inherited IRA distributions under current rules, including the 10-year rule and annual RMD requirements
The paid plan ($99/year) adds saved inputs year over year, multi-account dashboards, December deadline reminders, and the CPA-ready PDF export described below.
See it in action: How SimpleRMD works · Try the calculator (free, no signup)
What You Get: The CPA Export
When a client exports their RMD summary, you receive a single-page PDF with everything you need to verify and file — no phone calls to gather balances, no spreadsheets to decode.
SimpleRMD CPA export showing account summary, calculated RMDs with factors, aggregated total, and assumptions
The report includes:
- Account summary — each account type, custodian institution, and December 31 balance
- Calculated RMDs — per-account balance, life expectancy factor, and RMD amount
- Aggregated total — the combined RMD across all eligible accounts
- Assumptions block — which IRS table was used, owner date of birth, Publication 590-B edition, and whether accounts are eligible for aggregation
- Disclaimer — clearly states the report is informational and that withdrawal decisions should involve a tax professional
Every number on the report traces back to IRS Publication 590-B. Your clients aren't guessing — and neither are you.
Built on IRS Data You Can Verify
We don't use proprietary formulas or black-box calculations. SimpleRMD applies the same tables and methodology the IRS publishes, and we document exactly how it works. If you want to check our math — or if a client asks you to — everything is transparent.
- Is this calculator accurate? — our accuracy methodology, edge cases, and what we test against
- RMD tables explained — how the Uniform Lifetime, Joint Life, and Single Life tables work, with walkthroughs
- How to calculate your RMD — the step-by-step process, explained so clients (and advisors) can follow the logic
- What information is needed? — the inputs required and where clients find them
This is the same content your clients see. We believe the fastest way to earn trust is to show the work.
Inherited IRAs: Where Clients Need the Most Help
The post-2019 inherited IRA rules are the single most common source of confusion we hear about — from clients and from the advisors who serve them. The 10-year rule, the annual RMD requirement for post-RBD deaths, the ended penalty waiver — it's a lot to track, and the stakes are real (25% excise tax on missed distributions, starting in 2025).
SimpleRMD's inherited IRA calculator handles the rule logic so your clients don't have to. The same CPA export format applies — account details, factors, and deadlines in one clean document.
- Inherited IRA RMD rules — the full guide
- The 10-year rule explained
- Try the inherited IRA calculator (free, no signup)
Recommend It to Clients
The SimpleRMD calculator is free to run, requires no account, and works on any device. If a client asks you how to calculate their RMD — or if you'd rather they come to your next meeting with the numbers already organized — point them here.
A few ways advisors are using SimpleRMD today:
- Sharing the calculator link with clients before year-end tax planning meetings
- Using the CPA export as a starting point for RMD verification
- Directing inherited IRA beneficiaries to the site so they understand the 10-year timeline before their first appointment
The calculator is at simplermd.com/rmd-calculator. The inherited IRA calculator is at simplermd.com/inherited-ira-rmd/inherited-ira-rmd-calculator. Both are free.
Multi-Client or Firm-Level Access
We're actively building tools for advisors who serve multiple clients with RMD obligations. If you're interested in bulk access, a firm-level dashboard, or exploring how SimpleRMD could fit into your client workflow, we'd like to hear from you.
We're early in this process and looking for a small group of advisors and accountants to help shape what we build. No commitment — just a conversation.
Get in touch: trigg@simplermd.com
This page is for informational purposes only. SimpleRMD is a calculation and tracking tool — not a financial advisory service. All calculations are based on IRS-published life expectancy tables. Consult your own compliance and professional standards when incorporating any third-party tool into client workflows.