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Account-level current-year tracking
Calculate RMDs for up to eight account rows, enter distributions and QCDs already completed, and see what remains before each deadline.
RMD & Withdrawal Planner 2026
What will RMDs do to your retirement income?
Track what is still due this year, compare whether to delay your first RMD, and project required distributions, QCDs, estimated federal tax, withdrawals, and assets through retirement.
$9 · One-time purchase
1 / 10 What you get
RMD & Withdrawal Planner 2026
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A first-RMD timing comparison
Compare taking the first RMD in its calendar year with delaying it until April 1, including the estimated two-year federal-tax difference.
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A year-by-year retirement schedule
Follow RMDs, QCDs, gross withdrawals, estimated tax, and ending investable assets through your selected plan age.
Detail
How the tool is built
Dashboard
The key RMD decision signals on one screen
See your first projected RMD, cumulative distributions, estimated federal tax, peak annual RMD, and ending investable assets.
Current-year tracker
Know exactly what is still due
Track up to eight accounts with balance, calculated RMD, distributions, QCDs, aggregation guidance, deadline, and status.
Planning cases
Difficult, typical, and favorable return cases
Three independent planning cases show how RMDs, tax, withdrawals, and remaining assets respond to different returns.
Transparency
Visible rules, sources, and calculation checks
IRS factors, editable assumptions, model limitations, and automatic consistency checks remain visible instead of hidden in a black box.
Trust and method
Understand the assumptions, not just the answer
Built with financial expertise
Created by Christian Elkrog, an economist and tech founder with more than a decade of experience and a successful company exit.
Not a black box
Inputs, assumptions, formulas, sources, and limitations are visible so you can understand each result.
Your figures stay with you
No account connection or hidden data collection. Slowshore never receives the information you enter.
Sources
Sources and assumptions
Show sources and assumptions
IRS Publication 590-B and IRS guidance for required minimum distributions and qualified charitable distributions. The workbook uses simplified federal ordinary-income tax and Social Security taxation. It does not fully model state tax, IRMAA, NIIT, capital-gains basis, Medicare premiums, inherited-account exceptions, every employer-plan rule, penalties, or future law changes.
Pricing
RMD & Withdrawal Planner 2026
Digital download
RMD & Withdrawal Planner 2026
Example workbook, blank workbook, start guide, and license in one download package.
Looking for the browser version? Join the waitlist.
FAQ
Frequently asked questions
Do I have to write formulas?
No. Fill in the marked input cells and the dashboard, current-year tracker, timing comparison, projections, and checks update automatically.
What accounts can I track?
The current-year tracker supports up to eight rows and includes guidance for IRA and 403(b) aggregation plus separate employer-plan tracking.
What does the first-RMD comparison show?
It compares taking the first RMD in its calendar year with delaying it until April 1 and estimates the two-year federal-tax difference. It is a planning estimate, not tax advice.
Are the bad, base, and good cases probabilities?
No. They are independent, editable return cases for sensitivity testing, not forecasts, probabilities, or guarantees.
Does it work in Google Sheets?
Excel is recommended for the most consistent presentation. The .xlsx files can be imported into Google Sheets, but charts, formatting, and calculation behavior may vary.
Where is my data stored?
The file stays on your computer or in your own Google Drive. Slowshore never sees your numbers.
Is this tax or financial advice?
No. Confirm actual RMDs with your custodians and consult a qualified tax professional before making decisions.