RMD Calculator
Estimate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table. Example: a 75-year-old with a $500,000 balance on December 31 must withdraw $20,325.20 that year (balance / 24.6).
Show steps
How to use the RMD Calculator
- Enter the age you will reach this year.
- Enter the account balance from December 31 of last year.
- Press Calculate for this year’s RMD and a five-year projection.
Formula and method
RMD = prior year-end account balance / distribution period from the IRS Uniform Lifetime Table (Table III) for your age this year. Example distribution periods: 73 is 26.5, 75 is 24.6, 80 is 20.2, 90 is 12.2.
Worked example: age 75, $500,000
| Step | Result |
|---|---|
| Distribution period at 75 | 24.6 |
| RMD (500,000 / 24.6) | $20,325.20 |
| Percent of balance | 4.07% |
Uniform Lifetime Table (selected ages)
| Age | Distribution period | RMD on $100,000 |
|---|---|---|
| 73 | 26.5 | $3,773.58 |
| 75 | 24.6 | $4,065.04 |
| 77 | 22.9 | $4,366.81 |
| 80 | 20.2 | $4,950.50 |
| 83 | 17.7 | $5,649.72 |
| 85 | 16 | $6,250.00 |
| 88 | 13.7 | $7,299.27 |
| 90 | 12.2 | $8,196.72 |
| 95 | 8.9 | $11,235.96 |
| 100 | 6.4 | $15,625.00 |
RMD rules in brief
RMDs apply to traditional IRAs and most employer plans, not Roth IRAs during the owner’s life. Your first RMD can be delayed until April 1 of the following year, but then you take two in one year. Taking more than the minimum is allowed.
Frequently asked questions
What is an RMD?
The minimum you must withdraw each year from tax-deferred retirement accounts after a set age.
At what age do RMDs start?
73 for those born 1951 to 1959, and 75 for those born in 1960 or later.
How is an RMD calculated?
Divide the prior year-end balance by the IRS distribution period for your age.
Do Roth IRAs have RMDs?
Not for the original owner. Roth 401(k)s no longer have them from 2024.
What if I miss an RMD?
An excise tax applies, though it can be reduced if corrected quickly.
Can I take more than the RMD?
Yes, but extra withdrawals do not count toward future years.
Sources
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