RMD Calculator
Enter your age and the prior year-end balance of your traditional IRA or 401k. We estimate your required minimum distribution (RMD) for the current year using the IRS Uniform Lifetime Table.
Estimate RMD
Enter balance and age. Use IRS tables for official RMD.
How it works
RMD = prior year-end balance ÷ life expectancy factor. The factor comes from IRS tables and increases with age. This tool uses the Uniform Lifetime Table; different tables apply for inherited IRAs or spousal beneficiaries.
When to use it
Use it to plan withdrawals, to avoid the penalty for not taking the RMD, or to estimate taxable income from RMDs.
Frequently asked questions
When do RMDs start?
Generally age 73 (or 72 for those who reached 72 before 2023). Check current IRS rules.
Roth IRA?
Roth IRAs do not require RMDs during the owner's lifetime.