Calculate your Required Minimum Distribution from Traditional IRAs and 401(k)s. RMDs start at age 73 (SECURE 2.0). Avoid costly 25% penalties.
Account Details
IRS life expectancy table data (Uniform Lifetime)
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This Year's RMD
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After-Tax RMD
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RMD Amount
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Distribution Period
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% of Balance
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Tax on RMD
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Age
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Account Balance
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Distribution Period (IRS)
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RMD This Year
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Tax Rate
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Tax Owed on RMD
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After-Tax RMD
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Penalty if Missed (25%)
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FAQ
What is an RMD?
A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw annually from tax-deferred retirement accounts (Traditional IRA, 401k, 403b, etc.). Failure to take RMDs results in a 25% excise tax on the amount not withdrawn.
When do RMDs start?
Under SECURE 2.0 (2023): RMDs start at age 73 if born 1951-1959, and age 75 if born 1960 or later. Roth IRAs do NOT have RMDs during the account owner's lifetime.
How is the RMD calculated?
RMD = Prior Year-End Balance ÷ IRS Life Expectancy Factor. The IRS Uniform Lifetime Table provides the distribution period based on your age. This calculator uses the 2022+ updated Uniform Lifetime Table.
Can I take more than the RMD?
Yes! You can always withdraw more than the RMD. The RMD is just the minimum. Extra withdrawals are taxed as ordinary income. Many people use RMDs for living expenses, charitable contributions (QCDs), or Roth conversions.