Required Minimum Distribution Calculator
Calculate RMD amounts based on account balance, age, and IRS life expectancy tables.
Legal Disclaimer
This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.
Inputs
Results
Required Minimum Distribution
$40,650.41
After-Tax RMD
$30,894.31
How to Use This Calculator
- Enter Account Balance as of December 31 of the prior year (per IRS rules).
- Set Your Age — RMDs begin at age 73 under current SECURE 2.0 rules.
- Enter Spouse Age only if your spouse is the sole beneficiary and more than 10 years younger (uses joint life table).
- Set Expected Growth Rate % and Tax Rate % on distributions.
- Review Required Minimum Distribution and After-Tax RMD.
- Failing to take your full RMD results in a 25% excise tax on the shortfall (reduced from 50% under SECURE 2.0).
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