For retirees

Take your required withdrawals on time, and on your terms.

Once you reach RMD age you must withdraw from retirement accounts each year. Missing one triggers a stiff penalty, and smart timing can smooth your brackets and dodge premium cliffs.

Watch the quick version

See how it works through one simple example.

Is this you?

You are at or near the age required minimum distributions begin.
The required amount and deadline depend on your age and balances.

Here is the idea, in plain words

At the required age you must take minimum distributions from your retirement accounts each year.

Miss one and the penalty is stiff, so Deduckt tracks the amount and the deadline.

Timing the withdrawals well can smooth your tax brackets and help you dodge Medicare premium cliffs.

What this could be worth

Avoid steep missed-RMD penalties and time withdrawals to smooth brackets and cliffs.
  • 1Confirm whether you have reached RMD age.
  • 2Calculate the required amount from each account.
  • 3Withdraw by the deadline, timed to manage your brackets.

Educational guidance, not tax advice. We confirm every figure and your eligibility before you act.

Ready?

See your real RMD plan savings

Connect your account and we confirm your eligibility and the exact numbers.

Connect my account
🔒 Read-only access ✓ We never move your money 🛡 Secured by Plaid

Free to check. Nothing happens until you say so.

What to watch out for

The honest version.

  • Missing or underpaying an RMD carries a heavy penalty.
  • RMDs add to income and can affect IRMAA and the taxation of Social Security.
  • Different account types have their own RMD rules.

Common questions

When do RMDs start?

At the age set by current law, based on your birth year.

What if I miss one?

The penalty is steep, so tracking the deadline matters. Deduckt watches it for you.

Can timing help?

Yes, spreading or timing withdrawals can smooth brackets and avoid premium cliffs.

← Back to all tax guides
See your number

Find out what you're overpaying, free

Connect an account or upload last year's return. No card to get your number.

Find my savings