RMDPilot

RMDPilot is a mobile + web app that helps retirees and near-retirees manage Required Minimum Distributions (RMDs) across multiple IRA/401(k) accounts without spreadsheets or costly advisor time. Users connect accounts, the app calculates current-year RMDs, tracks what’s already been withdrawn, and forecasts tax impact under different withdrawal sequences (which account first, monthly vs lump sum, Roth conversions). It generates a simple “withdrawal checklist” with dates, amounts, and custodian-specific steps, plus alerts for deadlines and under-withdrawal penalties. It also supports spouse beneficiaries and inherited IRA rules with guided questions to reduce mistakes. This is a combination traditional + AI app: traditional for calculations and compliance logic; AI for plain-English explanations, scenario summaries, and document parsing of 1099-R/IRA statements to reconcile withdrawals. The goal is reducing costly errors and making withdrawals less stressful and more tax-aware.