Required Minimum Distribution (RMD) Calculator
Calculate your Required Minimum Distribution from retirement accounts. Uses IRS Uniform Lifetime Table to determine annual withdrawal requirements.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Required Minimum Distribution
$18,867.92
≈ 9 gaming PCs
How to Use This Calculator
- Enter your current retirement account balance (IRA, 401(k), etc.).
- Enter your age — RMDs are required starting at age 73 under current law.
- If your sole beneficiary is a spouse more than 10 years younger, enter their age for a different IRS table.
- Set the assumed growth rate to project future RMD amounts.
- Review the required minimum distribution amount, your life expectancy divisor, and the withdrawal schedule for upcoming years.
How the result changes with Your Age
| Your Age | Required Minimum Distribution |
|---|---|
| 77 | $21,834.06 |
| 89 | $38,759.69 |
| 103 | $96,153.85 |
| 115 | $172,413.79 |
What each input means
- Account Balance
- Total balance of your retirement account(s) as of December 31.
- Your Age
- Your age at the end of this year. RMDs begin at age 72-73.
- Spouse's Age
- If spouse is sole beneficiary and 10+ years younger, a different table applies. Leave 0 if not applicable.
- Assumed Growth Rate
- Assumed annual growth rate for projection purposes.
What each result means
- Life Expectancy Divisor
- IRS distribution period based on your age.
- Withdrawal Percentage
- Percentage of account you must withdraw this year.
How this is calculated
Formula
RMD = Account Balance ÷ Life Expectancy DivisorWorked example, using the default values
- Identify Input Parameters4 parametersAccount Balance = 500000, Your Age = 73, Spouse's Age = 0, Assumed Growth Rate = 5 = 4 input(s) provided
- Calculate Required Minimum Distribution18867.92 = $18,867.92
- Calculate Life Expectancy Divisor26.5 = 26.5
- Calculate Withdrawal PercentageWithdrawal Percentage3.77 = 3.77
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.
Related Calculators
The questions that sit next to this one — chosen by subject, including calculators filed under a different category.
Retirement Savings Calculator
See how much you'll have at retirement based on your savings rate and investment returns. Estimate your monthly retirement income.
Investing & RetirementRetirement Income Calculator
Calculate retirement income from savings using the 4% rule or custom withdrawal rate. Plan your retirement withdrawals.
Estate PlanningRequired Minimum Distribution Calculator
Calculate RMD amounts based on account balance, age, and IRS life expectancy tables.
Investing & RetirementRoth IRA Calculator
Project your Roth IRA balance at retirement with tax-free growth. See how annual contributions and compound interest build your nest egg — all tax-free at withdrawal.
More in Investing & Retirement.