Every retirement account in one place, the right rule applied to each, and a running total that tells you how close the withdrawal puts you to the next Medicare threshold. Built to be filled in once a year and reused the next.
One payment, not a subscription. 30 days to change your mind.
A complete inventory of every IRA, 401(k), 403(b) and inherited account with the December 31 balances your distribution is calculated from. The full IRS Uniform Lifetime Table with worked examples. The aggregation rules, a QCD tracker, a Roth conversion worksheet, a five-year projection, a five-year distribution history, and a professional handoff page. Type into it on screen and save your copy, or print it.
A spreadsheet that does the arithmetic so you don't: My RMD This Year, My Accounts (several at once, with the right rule applied to each), 10-Year Projection, IRMAA Cliff Check (how much room is left before the next Medicare threshold), First-Year Decision (the April 1 trap), Inherited IRA, QCD Planner, and the 2026 tables.
Two fillable pages: a summary of everything a tax professional needs to see, and the questions worth asking them. Fill it in, hand it over, and skip the round of phone tag that comes from showing up without your numbers.
The year's numbers on two pages — the age table, the deadlines, and the Medicare income brackets — so you aren't hunting them down on irs.gov.
Not a late fee. A quarter of the money. It drops to 10% if you correct it promptly, and it can often be waived entirely if you ask properly — but the people who get hurt are rarely the ones who made a mistake. They're the ones who found out too late that a mistake could have been undone.
Most of the damage is not the missed distribution. It's the second-order effects: two withdrawals landing in one tax year, a bracket crossed by accident, or a Medicare premium that goes up two years later because of a number nobody was watching. Those are arithmetic problems, and arithmetic problems are solvable in advance.
If you have one IRA, a custodian who calculates the distribution for you, and no interest in projecting forward, the free four-page guide covers what you need. This is for the situation where several accounts, two different rule sets and a Medicare threshold all have to be held in view at once.
Not a subscription. The workbook resets every year — you fill it in again next December with the same file. One Medicare threshold crossed by accident costs a couple roughly $2,300.
30 days to change your mind. No hassle, no questions.
No insurance license. No commissions from any plan or carrier.
No. It is an organizing and arithmetic tool. Ready at 65 is not a CPA, an enrolled agent, an attorney or an investment adviser, and holds no insurance license. Confirm your own situation with the professional who handles your return.
The calculator is an .xlsx file. It opens in Excel, in Numbers on a Mac, and in Google Sheets for free. The workbook and the packets are PDFs that open anywhere.
The printed workbook is the paper edition — you write in it by hand. This is the digital edition: the same 40 pages typed into and saved on a computer, plus the calculator, the CPA packet and the figures sheet, which the print book does not include.
Email hello@readyat65.com within 30 days and you get your money back. You keep the files.