Required Minimum Distribution (RMD) Spreadsheet Calculators

Based on the SECURE Act of 2022

The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) of 2022 made a second round of changes (relative to the SECURE Act of 2019) to the required minimum distribution (RMD) schedule for individual retirement accounts (IRAs) and defined contribution retirement plans. Excel spreadsheet calculators are developed to calculate the new annual RMD cash flows throughout retirement for those who are retired and for those who are planning to retire. The spreadsheet calculators also allow savings to accrue with interest if the RMD is in excess of expected annual costs.


The spreadsheet calculators require only basic inputs and can be updated and applied at any point in time during the planning period.

The spreadsheet calculators allow for interest to accumulate before and after retirement in the IRA and in a savings account if the RMD is in excess of expected annual costs.

The spreadsheet calculators allow for additional monthly contributions up to retirement.

Document Type

Working Paper

Publication Date



This paper has been accepted for publication at the Journal of Wealth Management and thus is not available through the repository at this time.

The excel file is still available and has been updates as of February 2024.

Publisher Statement

Please note that downloads of this working paper are for private/personal use only. Do not cite without permission.

Please do not cite without permission.

Click below to download supplemental content.

RMD-CALCULATOR-2023-IRA-ONLY-V2.xlsx (30 kB)