RMD calculator

Once a client hits their required-beginning age, the IRS mandates a minimum withdrawal each year. Compute it and render it as a card they can act on.

1 · Make the call

Send the age, the prior-year-end balance, and birth year to /v1/retirement/rmd (birth year sets the correct beginning age).

curl -X POST https://api.numeratica.com/v1/retirement/rmd \
  -H "Authorization: Bearer nmr_sk_test_xxx" \
  -H "Content-Type: application/json" \
  -d '{ "age": 73, "account_balance": 1000000, "birth_year": 1953 }'

2 · The response

Whether a distribution is required, the IRS distribution period (from the Uniform Lifetime Table), and the dollar amount.

{
  "result_id": "rmd_d86e40b2216253bd",
  "engine_version": "rmd-1.0.0",
  "result": {
    "required": true,
    "beginning_age": 73,
    "distribution_period": 26.5,
    "amount": 37735.85
  },
  "disclaimer": "Calculation engine output for informational purposes only; not tax or financial advice."
}

3 · Render it

A result card with the amount front and centre, plus the inputs that produced it.

<div style="font-family:-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;max-width:440px;border:1px solid #e6e9ef;border-radius:14px;overflow:hidden;color:#1a2230">
  <div style="background:#eff4ff;padding:16px 20px;border-bottom:1px solid #e6e9ef">
    <span style="display:inline-block;background:#2563eb;color:#fff;font-size:12px;font-weight:700;padding:3px 11px;border-radius:999px;letter-spacing:.04em">RMD DUE · 2026</span>
    <div style="color:#5b6675;font-size:13px;margin-top:12px">Required minimum distribution</div>
    <div style="font-size:34px;font-weight:700;color:#1d4ed8;line-height:1.1">$37,735.85</div>
  </div>
  <div style="padding:8px 20px 14px;font-size:14px">
    <div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">Account balance (12/31)</span><strong>$1,000,000</strong></div>
    <div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">Age this year</span><strong>73</strong></div>
    <div style="display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid #f1f3f7"><span style="color:#5b6675">IRS distribution period</span><strong>26.5</strong></div>
    <div style="display:flex;justify-content:space-between;padding:7px 0"><span style="color:#5b6675">Effective rate</span><strong>3.77%</strong></div>
  </div>
  <div style="padding:10px 20px;color:#9aa3b0;font-size:11px;border-top:1px solid #f1f3f7">Uniform Lifetime Table · result_id rmd_d86e40b2216253bd · not tax advice</div>
</div>

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