The PensionPlus engine does account for RMDs and tax optimization, along with other considerations like social security optimization. bequest earmarks and calculating potential annual bonuses retirees may take advantage of. Note: estimated monthly retirement income is calculated pre-tax, but the system does account for tax estimations and RMDs when recommending from which accounts to draw. However, there is no way to complete all the calculations necessary to do this without the detailed information provided by linking accounts.