RMD Calculator (Required Minimum Distribution)
Calculate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your account balance on December 31 of last year.
- 2Enter the age you'll reach this year.
How it's calculated
RMD = prior year-end balance ÷ distribution period for your age from the IRS Uniform Lifetime Table. RMDs start at 73 under SECURE 2.0 (75 for those born in 1960 or later).
Frequently asked questions
When do RMDs start?
At age 73 for people born 1951–1959, and 75 for those born in 1960 or later. The first RMD can be delayed until April 1 of the following year.
When should I use a different table?
If your sole beneficiary is a spouse more than 10 years younger, the Joint Life table gives a smaller RMD. Inherited IRAs follow different rules.
What if I miss an RMD?
The excise tax is 25% of the shortfall, reduced to 10% if corrected promptly. Roth IRAs have no RMDs for the original owner.