If you need to take the RMD from your IRA it is based on the prior year ending balance, not the current year income. It is a set minimum amount you have to withdraw. You only have the option to take out more. So there is no guessing or testing needed. It's a done deal.
Like for this year 2022 you need to take out a distribution based on your 12/31/2021 ending balance. Your SS and IRA RMD are fixed amounts. You might be able to adjust other kinds of income to affect your tax return like selling investments that aren't in a IRA account.
