RMD Calculator

Calculate Required Minimum Distributions (RMDs) for retirement accounts based on IRS rules and your age.

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About This Tool

This RMD calculator helps you determine the minimum amount you must withdraw from your retirement accounts each year once you reach age 73 (or 75 for those born in 1960 or later). The tool uses the IRS Uniform Lifetime Table to calculate distributions based on your age, account balance, and beneficiary status. Get accurate RMD amounts for IRAs, 401(k)s, and other qualified retirement plans with detailed yearly projections.

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How to Use

Enter your current age (must be 73 or older for RMD calculations)
Input your retirement account balance
Select your beneficiary status (spouse as sole beneficiary or other)
Choose whether to calculate single year or multiple year projections
Click 'Calculate RMD' to see your required minimum distribution amount
View detailed results including life expectancy factor and yearly projections

Frequently Asked Questions

Find Quick Answers

What is an RMD?

RMD stands for Required Minimum Distribution - the minimum amount you must withdraw from your retirement accounts each year once you reach age 73 (or 75 for those born in 1960 or later).

Which retirement accounts require RMDs?

Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, 457(b)s, and other qualified retirement plans require RMDs. Roth IRAs do not require RMDs during the owner's lifetime.

How accurate is this calculator?

This calculator uses the current IRS Uniform Lifetime Table (Publication 590-B) which is the official table for most taxpayers. For spouses who are more than 10 years younger, different tables may apply.

Can I use this for multiple year projections?

Yes, the calculator can project RMD amounts for up to 10 years into the future, showing how distributions change as you age and account balances adjust.

Need to run multiple calculations?

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