RMD Calculator
Calculate your required minimum distribution (RMD) from a traditional IRA or 401(k) using your age and your account balance on December 31 of last year.
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About the RMD Calculator
A required minimum distribution (RMD) is the minimum amount the IRS requires you to withdraw each year from most tax-deferred retirement accounts, such as traditional IRAs and 401(k)s. This calculator divides your prior year-end balance by the distribution period from the IRS Uniform Lifetime Table for your age.
How to use it
- Enter your account balance on December 31 of last year.
- Enter your age this year and your birth year to see when RMDs begin.
- Press Calculate RMD to see the required amount, monthly equivalent and estimated tax.
When RMDs begin
| Birth year | First RMD age |
|---|---|
| 1950 or earlier | 72 (or 70½ for earlier birthdays) |
| 1951 to 1959 | 73 |
| 1960 or later | 75 |
Your first RMD can be delayed until April 1 of the following year, but then you take two RMDs in that year. Roth IRAs have no RMDs for the original owner.
Sample Uniform Lifetime Table factors
| Age | Factor | Age | Factor |
|---|---|---|---|
| 73 | 26.5 | 85 | 16.0 |
| 75 | 24.6 | 88 | 13.7 |
| 78 | 22.0 | 90 | 12.2 |
| 80 | 20.2 | 95 | 8.9 |
Who this table does not cover
If your spouse is more than 10 years younger and the sole beneficiary of your account, you may use a different (Joint Life) table, which gives a smaller RMD. Inherited accounts follow other rules. Confirm with your plan or a tax professional.
Frequently asked questions
How do I calculate my RMD?
Divide your account balance on December 31 of the prior year by the distribution period for your age from the IRS Uniform Lifetime Table.
At what age must I start taking RMDs?
Age 73 if you were born 1951 to 1959 and age 75 if you were born in 1960 or later.
What happens if I miss an RMD?
The IRS can charge an excise tax of 25% of the amount not withdrawn, reduced to 10% if you correct it within a short window. Ask a tax professional about relief.
Do Roth IRAs have RMDs?
No for the original owner. Roth 401(k)s no longer require RMDs either starting in 2024.
Do I take an RMD from each account?
IRAs can be combined and withdrawn from one IRA. 401(k)s generally need separate RMDs from each plan.
Last reviewed: November 2026. Estimates only. Confirm your RMD with your plan administrator or a tax professional.