RMD calculator
See your required minimum distributions by age, using your balance and the IRS Uniform Lifetime Table. Takes about 2 minutes.
- Free
- About 2 min
- No signup
- Educational estimate
Estimate yearly required withdrawals from tax-deferred retirement accounts.
Your RMDs are one piece of your retirement plan
Your RMDs are one piece of your retirement plan
Your RMDPieces still to add
Your retirement plan will also answer
- When can I retire?
- How much should I save?
- When should I claim Social Security?
- Should I do Roth conversions?
- How much can I safely withdraw?
- Should I pay off debt first?
- Would my plan weather market ups and downs?
Understand your result
What these numbers mean
Based on a prior year-end balance of $500,000 at age 73, the IRS Uniform Lifetime divisor is 26.5. That produces a required withdrawal of $18,868 this year, about 3.77% of the balance. Required withdrawals begin at age 73. Total projected withdrawals through age 95 are $688,821. This is an educational estimate using the Uniform Lifetime Table. Confirm inherited-account and spousal exceptions with a tax advisor.
How we figure this out
Each year, the starting balance is divided by the IRS Uniform Lifetime Table divisor for that age. The required withdrawal is subtracted, then the remaining balance grows at the annual return you selected.
Assumptions: 5.0% return · Uniform Lifetime Table · through age 95
Required beginning age follows current federal rules: 72 if born in 1950 or earlier, 73 if born from 1951 through 1959, and 75 if born in 1960 or later. Roth 401(k) owners do not have a required withdrawal in this model.
Frequently asked questions
What is an RMD?
The minimum you must withdraw each year from most tax-deferred retirement accounts once you reach the required age. The IRS sets the amount based on your balance and age.
When do RMDs start?
The age depends on your birth year (often 73 or 75 under current law). Check irs.gov or your tax preparer for your situation.
What if I miss an RMD?
The IRS can charge a penalty on what you should have taken. Fix mistakes promptly with a tax professional.
Do Roth IRAs have RMDs?
Not for the original owner during life. Inherited Roth accounts have their own rules.
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