Retirement Tools
Required Minimum Distribution (RMD) Calculator
Estimate this year's required minimum distribution from a Traditional IRA or 401k using the IRS Uniform Lifetime Table.
This is a rough estimate for education, not tax advice. It uses the IRS Uniform Lifetime Table, which does not apply if your sole beneficiary is a spouse more than 10 years younger; check IRS Publication 590-B for your exact table and rules. Nothing you type is sent anywhere.
How this is calculated
The RMD equals your account balance at the end of the prior year, divided by a distribution period from the IRS Uniform Lifetime Table, which is based on your age this year. As you age, the distribution period shrinks, so the required percentage of the balance you must withdraw increases each year.
Frequently asked questions
At what age do RMDs start?
Under current law the RMD starting age is 73 (rising to 75 in 2033 under SECURE 2.0), for account owners; Roth IRAs have no RMDs for the original owner.
What happens if I miss an RMD?
The IRS can charge an excise tax on the amount not withdrawn, though it can be reduced if corrected in a timely manner. Talk to a tax professional if you think you missed one.
Does each account need its own RMD?
For 401k-type accounts, generally yes, calculated and withdrawn separately per plan. For Traditional IRAs, you can calculate each IRA's RMD separately but withdraw the total from any one or a combination of your IRAs.
Related: the Social Security calculator and the Roth vs. Traditional calculator.