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RMD Calculator

Calculate the required minimum distribution you must take from a traditional IRA, 401(k) or similar account this year. Enter last year’s December 31 balance and your age at the end of this year; the calculator applies the IRS Uniform Lifetime Table and projects future RMDs.

Quick examples
$

The table starts at 72. RMDs currently begin at 73.

%

Only used to project future years in the table.

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Required minimum distribution$20,325.20
Distribution period
24.6 years
Share of the balance
4.07%
If taken monthly
$1,693.77

Projected RMDs if you withdraw only the minimum

AgeDistribution periodBalance at start of yearRMD

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      Formula

      RMD = account balance on December 31 of the previous year ÷ distribution period
      The distribution period comes from the IRS Uniform Lifetime Table for your age at the end of the current year
      Example periods: 73 → 26.5, 75 → 24.6, 80 → 20.2, 85 → 16.0, 90 → 12.2

      How to use it

      1. Enter the account’s balance as of December 31 last year.
      2. Enter the age you will be on December 31 this year.
      3. Read the RMD; calculate each account separately and check the table for later years.

      Worked examples

      A $500,000 IRA for someone who is 75 at year end

      Required minimum distribution
      $20,325.20
      Distribution period
      24.6 years
      Share of the balance
      4.07%
      If taken monthly
      $1,693.77

      A first RMD at 73 on a $265,000 balance

      Required minimum distribution
      $10,000.00
      Distribution period
      26.5 years
      Share of the balance
      3.77%
      If taken monthly
      $833.33

      An $80,800 balance at age 80

      Required minimum distribution
      $4,000.00
      Distribution period
      20.2 years
      Share of the balance
      4.95%
      If taken monthly
      $333.33

      Which table this uses and when it does not apply

      Figures come from the IRS Uniform Lifetime Table in effect for distribution years 2022 and later (Publication 590-B, Table III). It applies to account owners in most situations.

      Two cases use different tables and will give a different answer: if your spouse is your sole beneficiary and more than 10 years younger than you, the Joint Life and Last Survivor table gives a smaller RMD; and inherited accounts follow separate beneficiary rules, including the 10-year rule or the Single Life table.

      Deadlines and penalties

      RMDs begin for the year you turn 73, rising to 75 from 2033. The first one can be delayed until April 1 of the following year, but then two distributions fall in that year; every later RMD is due by December 31. Roth IRAs have no RMDs for the original owner, and designated Roth accounts in workplace plans have had none since 2024.

      Missing an RMD triggers an excise tax of 25% of the shortfall, reduced to 10% if corrected promptly. This calculator gives an estimate, not tax advice; confirm the amount with your plan custodian or a tax professional.

      Questions people ask

      What is the RMD on $500,000 at age 75?

      $20,325.20. The distribution period at 75 is 24.6, and 500,000 ÷ 24.6 = 20,325.20 — about 4.07% of the balance.

      How much is the RMD on $100,000?

      It depends on age: $3,773.58 at 73 (÷ 26.5), $4,950.50 at 80 (÷ 20.2) and $6,250.00 at 85 (÷ 16.0).

      Do I have to take an RMD from each account?

      You calculate it for each account. IRA RMDs can be added together and withdrawn from any one or more of your IRAs; 401(k) RMDs generally must be taken from each plan separately.

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