Required Minimum Distribution Calculator

The Required Minimum Distribution Calculator applies the IRS Uniform Lifetime Table -- the table nearly all IRA and 401(k) owners use once RMDs begin at age 73 under SECURE 2.0 -- to your Account Balance to compute the minimum you must withdraw this year. Required Minimum Distribution is Account Balance divided by a life-expectancy divisor drawn from that table (27.4 at age 72, declining to 6.4 by age 100), so raising either the Account Balance or your Age raises the required distribution: a bigger balance splits into a bigger withdrawal, and an older age uses a smaller divisor, which produces a larger required slice of the same balance. The After-Tax RMD applies your marginal Tax Rate to show what actually lands in your pocket after withholding, and raising the Tax Rate raises Tax on RMD in the same direction while lowering the After-Tax RMD you keep.

The Life Expectancy Divisor itself is driven entirely by age and the table lookup -- it does not change with the size of your Account Balance, since the table only cares how old you are, not how much you've saved. When Spouse Age is entered and your spouse is more than 10 years younger than you (making them the sole beneficiary), the calculator switches to a simplified age-gap adjustment on the divisor rather than the IRS's full two-life Joint and Last Survivor Table -- for that specific situation, treat this as an illustrative estimate only, and confirm the exact figure with a tax professional or the published joint table. What this does not account for: Roth account exemptions, still-working exceptions for employer plans, or multiple accounts that must each be tracked separately for RMD purposes.