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 personal retirement savings account with tax advantages. Two main types: Traditional (tax now, pay later) and Roth (pay now, tax-free forever).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 1951–1959) 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.