RMD Calculator (SECURE 2.0) vs Estate Tax Calculator: Which Free Tool Should You Use?

Compare RMD Calculator (SECURE 2.0) and Estate Tax Calculator side by side. See features, use cases, and which free tool fits your needs.

RMD Calculator (SECURE 2.0)

Calculate required minimum distributions with 2026 IRS tables and SECURE 2.0 rules

Category

Tax & Accounting

Replaces

Schwab / Fidelity RMD Calculator Limited features

Storage

url params

Export Formats
csvpdf
Try RMD Calculator (SECURE 2.0) →
Estate Tax Calculator

Calculate federal and state estate tax with unified credit and portability planning

Category

Tax & Accounting

Replaces

Estate planning attorney consultation $400-600/hr

Storage

url params

Export Formats
csvpdf
Try Estate Tax Calculator →

Use RMD Calculator (SECURE 2.0) when...

Free RMD calculator updated for SECURE 2.0 Act (2026). Uniform Lifetime Table, Joint Life Table, Single Life Table. Multi-account support (IRA, 401k, 403b, inherited). Year-by-year schedule through age 100 with tax impact, QCD analysis, IRMAA thresholds, penalty calculator, Roth conversion strategy, and aggregation rules.

Use Estate Tax Calculator when...

Free estate tax calculator. Federal estate tax with $13.61M unified credit, portability election, annual gift exclusion tracking, and state estate/inheritance tax for 12 states.

The Verdict

Both tools are completely free, run in your browser, and require no signup.RMD Calculator (SECURE 2.0) focuses on calculate required minimum distributions with 2026 irs tables and secure 2.0 rules, while Estate Tax Calculator specializes in calculate federal and state estate tax with unified credit and portability planning. Try both and see which fits your workflow — there's no cost to switching.

Frequently Asked Questions

What is the difference between RMD Calculator (SECURE 2.0) and Estate Tax Calculator?

RMD Calculator (SECURE 2.0) focuses on calculate required minimum distributions with 2026 irs tables and secure 2.0 rules, while Estate Tax Calculator specializes in calculate federal and state estate tax with unified credit and portability planning. Both are completely free, require no signup, and run entirely in your browser.

Is RMD Calculator (SECURE 2.0) free?

Yes. RMD Calculator (SECURE 2.0) is 100% free — no subscription, no signup, and no hidden charges. Your data stays in your browser.

Is Estate Tax Calculator free?

Yes. Estate Tax Calculator is 100% free — no subscription, no signup, and no hidden charges. Your data stays in your browser.

Which tool should I use: RMD Calculator (SECURE 2.0) or Estate Tax Calculator?

Choose RMD Calculator (SECURE 2.0) if you need to calculate required minimum distributions with 2026 irs tables and secure 2.0 rules. Choose Estate Tax Calculator if you need to calculate federal and state estate tax with unified credit and portability planning. Since both are free, you can try both and use whichever fits your workflow.

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