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Calcimator

Required Minimum Distribution Calculator

Calculate RMD amounts based on account balance, age, and IRS life expectancy tables.

Inputs

$
%
%

Results

Required Minimum Distribution

$40,650.41

≈ 4 years of state college

After-Tax RMD

$30,894.31

≈ 15 gaming PCs

Tax on RMD$9,756.10
Projected Year-End Balance$1,007,317.07
Life Expectancy Divisor24.6
5-Year Total RMDs$221,951.26
How to Use This Calculator
  1. Enter Account Balance as of December 31 of the prior year (per IRS rules).
  2. Set Your Age — RMDs begin at age 73 under current SECURE 2.0 rules.
  3. Enter Spouse Age only if your spouse is the sole beneficiary and more than 10 years younger (uses joint life table).
  4. Set Expected Growth Rate % and Tax Rate % on distributions.
  5. Review Required Minimum Distribution and After-Tax RMD.
  6. Failing to take your full RMD results in a 25% excise tax on the shortfall (reduced from 50% under SECURE 2.0).

How the result changes with Your Age

Your AgeRequired Minimum DistributionAfter-Tax RMD
75$40,650.41$30,894.31
82$54,054.05$41,081.08
90$81,967.21$62,295.08
97$128,205.13$97,435.90

What each input means

Account Balance
Total balance of IRA/401(k) as of Dec 31 of prior year.
Your Age
Your current age (RMDs begin at age 73).
Spouse Age (0 if N/A)
Spouse's age if sole beneficiary and 10+ years younger.
Expected Growth Rate
Expected annual investment growth rate.
Tax Rate
Your marginal income tax rate on distributions.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Account Balance = 1000000, Your Age = 75, Spouse Age (0 if N/A) = 0, Expected Growth Rate = 5 = 5 input(s) provided
  2. Calculate Required Minimum Distribution
    Required Minimum Distribution
    40650.41 = $40,650.41
  3. Calculate After-Tax RMD
    After-Tax RMD
    30894.31 = $30,894.31
  4. Calculate Tax on RMD
    Tax on RMD
    9756.1 = $9,756.1
  5. Calculate Projected Year-End Balance
    Projected Year-End Balance
    1007317.07 = $1,007,317.07

Engine last updated .

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