Estimate your Required Minimum Distribution. This free RMD calculator uses the IRS Uniform Lifetime Table — enter your account balance and age to see how much you must withdraw this year.
Your account
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Under current US rules (SECURE 2.0), RMDs generally begin at age 73.
Required minimum distribution
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Enter your balance and age
Monthly equivalent
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Distribution factor
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% of balance
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Account balance
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Estimate only, based on the IRS Uniform Lifetime Table. Rules and ages change with legislation — confirm with your plan administrator or a tax professional.
Use this free RMD calculator to estimate your Required Minimum Distribution from a retirement account. Enter your account balance and age to see the amount you must withdraw this year, based on the IRS Uniform Lifetime Table.
What this RMD calculator shows you
An RMD calculator estimates your Required Minimum Distribution — the minimum you must withdraw each year from a tax-deferred retirement account once you reach the required age. Enter your prior year-end balance and your age, and it returns your annual RMD, the monthly equivalent and the IRS distribution factor used.
RMDs exist because tax-deferred accounts like traditional IRAs and 401(k)s can’t grow untaxed forever — eventually the IRS requires withdrawals so the money becomes taxable.
How RMDs are calculated
RMD = Account balance ÷ Distribution factor
The distribution factor comes from the IRS Uniform Lifetime Table and depends on your age — it shrinks each year, so your required percentage rises with age. For example, a $500,000 balance at age 75 (factor 24.6) gives an RMD of about $20,325.
How to use the RMD calculator
Enter your account balance. Use the balance as of December 31 of last year.
Enter your age this year. The calculator looks up the right IRS factor.
Read your result. Your required annual and monthly withdrawal appear instantly.
When do RMDs start?
Under current US rules (the SECURE 2.0 Act), RMDs generally begin at age 73, and the starting age is scheduled to rise to 75 in 2033. RMDs apply to traditional IRAs and most workplace plans, but not to Roth IRAs during the original owner’s lifetime. Missing an RMD can trigger a significant penalty.
RMD terms glossary
Term
What it means
RMD
Required Minimum Distribution — the minimum yearly withdrawal.
Distribution factor
An IRS life-expectancy figure you divide your balance by.
Uniform Lifetime Table
The IRS table most account owners use for RMDs.
Tax-deferred account
An account like a traditional IRA or 401(k) taxed on withdrawal.
Roth IRA
A retirement account with no RMDs for the original owner.
RMD Calculator FAQ
How is an RMD calculated?
Divide your retirement account balance (as of December 31 last year) by the IRS distribution factor for your age. A $500,000 balance at age 75, with a factor of 24.6, gives an RMD of about $20,325.
At what age do RMDs start?
Under the current US SECURE 2.0 rules, RMDs generally begin at age 73, scheduled to rise to 75 in 2033. They apply to traditional IRAs and most workplace plans.
Do Roth IRAs have RMDs?
No. Roth IRAs have no required minimum distributions during the original owner's lifetime, which is one of their key advantages.
What happens if I miss an RMD?
Failing to take a required distribution can trigger a substantial IRS penalty on the amount you should have withdrawn, though it may be reduced if corrected promptly. Take RMDs on time to avoid it.
Which IRS table does this use?
It uses the IRS Uniform Lifetime Table, which applies to most account owners. A different table is used in certain cases, such as when your sole beneficiary is a spouse more than 10 years younger.
Is the RMD calculator free to use?
Yes, this RMD calculator is completely free, needs no sign-up, and gives instant results directly in your browser.
