Retirement

RMD Calculator

Calculate your Required Minimum Distribution.

Enter your prior year-end account balance and age to calculate your Required Minimum Distribution (RMD) from a traditional IRA or 401(k), using the IRS Uniform Lifetime Table.

Enter a valid balance.
Enter a valid age (72 or older).

Required Minimum Distribution

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Distribution Period (IRS Table)

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How to Use This Tool

  1. Enter your account balance as of December 31 of the prior year.
  2. Enter your age this year (RMDs generally start at age 73 under current rules).
  3. Click Calculate for your required distribution.

The RMD Formula

RMD = Prior Year-End Account Balance ÷ IRS Life Expectancy Factor

This calculator uses the IRS Uniform Lifetime Table, which applies to most account owners (a different table applies if your sole beneficiary is a spouse more than 10 years younger).

When RMDs Start

Under the SECURE 2.0 Act, the RMD starting age is 73 for those who turn 72 after 2022 (rising to 75 starting in 2033). RMDs generally apply to traditional IRAs, 401(k)s, and similar tax-deferred retirement accounts — Roth IRAs are exempt from RMDs during the original owner's lifetime.

Why RMDs Exist

Because contributions to traditional retirement accounts were tax-deferred, the IRS requires eventual withdrawals (and the associated income tax) starting at a certain age, rather than allowing indefinite tax deferral.

Penalties for Missing an RMD

Failing to take your full RMD by the deadline can result in a substantial IRS excise tax penalty (reduced under SECURE 2.0 from 50% to 25%, or 10% if corrected promptly) on the amount not withdrawn — always consult a tax advisor to ensure compliance.

Frequently Asked Questions

At what age do RMDs start?

Under current rules (SECURE 2.0 Act), RMDs generally start at age 73 for most people, with the age rising to 75 starting in 2033 for younger cohorts — consult a tax advisor to confirm your specific starting age.

Do Roth IRAs require RMDs?

No, Roth IRAs are exempt from RMDs during the original account owner's lifetime, unlike traditional IRAs and most other tax-deferred retirement accounts.

This calculator is provided for general informational and estimation purposes only. Results should not be treated as professional financial, tax, legal, medical, or engineering advice. Always verify critical calculations with a qualified professional or official source before making decisions.