RMDs & Charitable Giving
Track your Required Minimum Distributions and maximize tax-free charitable giving through QCDs
RMD Age Status
RMDs begin at age 73
2031 for you — 5 years away
2026 RMD Obligation
$0
Not yet required
QCD Eligibility
Eligible at age 70½
You become eligible mid-2026
Future RMD Projections
Based on IRS Uniform Lifetime Table. Assumes 5% annual growth on Traditional IRA balance.
| Year | Age | IRA Balance (Start) | Life Exp. Factor | Required Distribution | Est. Federal Tax | Cumulative RMDs | IRMAA Tier |
|---|---|---|---|---|---|---|---|
| 2031 | 73 | $280,000 | 26.5 | $10,566 | $2,325 | $10,566 | Base |
| 2032 | 74 | $283,434 | 25.5 | $11,115 | $2,445 | $21,681 | Base |
| 2033 | 75 | $286,491 | 24.6 | $11,646 | $2,562 | $33,327 | Base |
| 2034 | 76 | $289,170 | 23.7 | $12,201 | $2,684 | $45,528 | Base |
| 2035 | 77 | $291,428 | 22.9 | $12,726 | $2,800 | $58,254 | Base |
| 2036 | 78 | $293,273 | 22.0 | $13,331 | $2,933 | $71,585 | Base |
| 2037 | 79 | $294,606 | 21.1 | $13,962 | $3,072 | $85,547 | Base |
| 2038 | 80 | $295,374 | 20.2 | $14,622 | $3,217 | $100,169 | Base |
| 2039 | 81 | $295,521 | 19.4 | $15,233 | $3,351 | $115,402 | Base |
| 2040 | 82 | $295,064 | 18.5 | $15,949 | $3,509 | $131,351 | Base |
Qualified Charitable Distributions (QCDs)
Eligible at age 70½ · Annual limit $105,000 per person (2026, inflation-indexed) · Counts toward RMD satisfaction · Excluded from taxable income
$96,500 remaining in 2026
| Charity | Amount | Account | Date | Tax Year |
|---|---|---|---|---|
| Community Food Bank | $5,000 | Fidelity Traditional IRA | Mar 14, 2026 | 2026 |
| Habitat for Humanity | $3,500 | Fidelity Traditional IRA | Jun 2, 2026 | 2026 |
| Total | $8,500 | $96,500 remaining before 2026 limit | ||
All projections are illustrative and for educational purposes only. RMD calculations use IRS Uniform Lifetime Table factors and assumed growth rates — actual distributions will depend on year-end account balances. QCD limits are subject to annual inflation adjustments. This is not personalized financial, tax, or legal advice. Consult a qualified advisor before making distribution or charitable giving decisions.