Required Minimum Distribution (RMD) Calculator
Calculate your Required Minimum Distribution from retirement accounts. Uses IRS Uniform Lifetime Table to determine annual withdrawal requirements.
Inputs
Results
Required Minimum Distribution
$18,867.92
Required Minimum Distribution
$18,867.92
How to Use This Calculator
- Start by filling in the input fields below. Results update instantly as you type, so you can experiment with different values to see how they affect the outcome.
- Account Balance — Total balance of your retirement account(s) as of December 31. Accepts values from $1 to $100,000,000 (default: $500,000).
- Your Age — Your age at the end of this year. RMDs begin at age 72-73. Accepts values from 72 to 120 (default: 73).
- Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
- Spouse's Age — If spouse is sole beneficiary and 10+ years younger, a different table applies. Leave 0 if not applicable. Accepts values from 0 to 120 (default: 0).
- Assumed Growth Rate — Assumed annual growth rate for projection purposes. Accepts values from 0 % to 15 % (default: 5 %).
- Once all inputs are set, review your results in the Results panel. Here's what each output means:
- Required Minimum Distribution — shown as a dollar amount. This is the primary result of this calculator.
- Life Expectancy Divisor — IRS distribution period based on your age.
- Withdrawal Percentage — Percentage of account you must withdraw this year.
- View the Projected RMDs Over 10 Years below for a visual breakdown of how the numbers relate to each other.
- Check the 10-Year RMD Projection for a detailed row-by-row breakdown. This is useful for spotting trends or finding values at specific points.
- Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
Formula
RMD = Account Balance ÷ Life Expectancy DivisorRelated Calculators
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