Tools · RMD Calculator

Your required minimum distribution,
to the dollar.

Enter your prior-year December 31 balance and your age. This pulls the IRS Uniform Lifetime Table factor, shows this year's RMD, flags the deadline, and projects how the withdrawal percentage climbs with age. For your own traditional IRAIndividual Retirement Account (IRA)A retirement account with tax advantages and eligibility rules. Traditional IRA contributions may be deductible; taxable withdrawals generally enter income. Roth contributions use after-tax money, and qualified Roth withdrawals are tax-free.Full definition or 401(k); inherited accounts follow different rules.

YOUR ACCOUNT
THIS YEAR'S REQUIRED WITHDRAWAL
$0
 
TABLE FACTOR
—
% OF BALANCE
—
 
HOW THE WITHDRAWAL % CLIMBS WITH AGE
Show the year-by-year table
AGE FACTOR % OF BALANCE RMD ON TODAY'S BALANCE

Projection holds the balance flat at today's figure to isolate the rising withdrawal percentage; real balances move with markets and prior withdrawals.

Factors: IRS Uniform Lifetime Table (Table III), Publication 590-B, effective 2022 ×DON'T TRUST, VERIFYClaim: The RMD equals the prior-year Dec 31 balance divided by the IRS Uniform Lifetime Table (Table III) factor; the factor at age 75 is 24.6.Verify at: IRS Publication 590-B, Uniform Lifetime Table ↗Pub 590-B publishes Table III and the prior-year-balance ÷ factor formula. At 75 the factor is 24.6, so a $100,000 balance yields a $4,065 RMD.. RMD ages are set by SECURE 2.0.

What this tool assumes
  • Uses the IRS Uniform Lifetime Table (Table III), which applies to owners of their own traditional IRA/401(k) whose spouse is not their sole beneficiary and not more than 10 years younger.
  • RMDs begin at age 73 (born 1951–1958 (1959: proposed age 73; confirm final rules)) or 75 (born 1960 or later) under SECURE 2.0. Roth IRAs have no RMDs during the owner's lifetime.
  • If your sole beneficiary is a spouse more than 10 years younger, the Joint Life and Last Survivor Table (Table II) applies and produces a lower RMD than shown.
  • Inherited accounts follow separate rules (the 10-year rule or the Single Life Table); this tool does not calculate those.
  • The year-by-year projection holds your balance flat to show the rising withdrawal percentage; it is not a market forecast.

Not financial advice. Factors from IRS Pub 590-B. Your numbers stay in your browser.

Related

→ Required Minimum Distributions, the full rules and penalties → Qualified Charitable Distributions, satisfy your RMD tax-free → Roth Conversion Timing, shrink future RMDs in the gap years → Withdrawal Sequencing, the order that lowers lifetime tax
HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.

Withdrawal deadlines and account boundaries

US federal rules, checked September 17, 2026. For an owner’s IRA, the first RMD is generally due by April 1 of the year after the required starting-age year; later annual RMDs are due December 31. Delaying the first payment can put two RMDs into the following tax year. Use the prior December 31 balance and the correct IRS life-expectancy table. Employer plans may permit a later start until retirement for a non-5%-owner; confirm plan terms. Inherited accounts have separate rules. [C20]

Calculate each IRA’s RMD separately, then eligible IRA amounts can generally be taken from one or more of those IRAs. Aggregate eligible 403(b) contracts only within that group. A 401(k) RMD generally must be satisfied separately for each plan, not from an IRA. Roth IRAs and designated Roth workplace accounts have no owner-lifetime RMDs (designated Roth relief applies from 2024); beneficiaries still have distribution rules. RMDs themselves cannot be rolled over. [C20] [C7]

An early-distribution exception removes the additional tax, not ordinary income tax on taxable withdrawals. Separation in or after the year of age 55 applies to the relevant employer plan, not an IRA; special public-safety rules can differ. SEPPs can cover IRAs or qualifying employer plans after separation from service. Before starting, confirm the calculation, account segregation and required duration with a qualified tax adviser. [C8]

Calculator scope

Select your birth cohort and enter the age you reach by December 31 of the distribution year. This tool uses the current Uniform Lifetime Table and covers owners born in 1949 or later; it does not calculate historical pre-2022 RMDs, inherited-account RMDs, or an employer-plan still-working deferral. For a sole-beneficiary spouse more than 10 years younger use Table II instead. Projection rows hold the balance constant: they are illustrations, not investment forecasts. [C20]

Birth-year qualification: 1959 is a special case

For owners born in 1951–1958 the starting age is 73, and for 1960 or later it is 75. The 2024 proposed IRS regulations specify age 73 for people born in 1959 to resolve overlapping statutory language; the cited CRS explanation flags that birth year separately. The calculator uses 73 as the proposed-rule planning assumption for 1959, not a claim that the proposal is final. Confirm the final rule with your administrator before the first distribution year. [C29] [C28]

Announcement 2026-7 separately delays applicability of certain other proposed RMD provisions and calls for a reasonable good-faith interpretation in the interim. It is not a waiver of ordinary owner RMD deadlines. [C27]

Sources for these corrections

US federal sources checked September 17, 2026. C-prefixed citations distinguish these corrections from the original article’s references.