Required Minimum Distribution (RMD) Calculator
The RMD Calculator uses the IRS Uniform Lifetime Table to determine the minimum amount you must withdraw from your Traditional IRA or 401(k) each year starting at age 73 (SECURE 2.0 rules).
Educational estimate. Calculator results are for planning and information only, not financial, tax, medical, legal, or engineering advice. Verify important decisions with official sources or a qualified professional.
Required Minimum Distribution (RMD) Calculator
Annual IRA / 401(k) Withdrawal Requirement
📐 Formula & Method
RMD Formula
The distribution period is a life-expectancy factor from IRS Publication 590-B. For age 74 it is 25.5; for age 80 it is 20.2.
📋 How to Use
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Enter your account balance as of December 31 of the prior year.
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2
Enter your age for the current year.
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Select account type.
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See your required minimum withdrawal amount.
RMD Rules Under SECURE 2.0
SECURE 2.0 (2022) pushed the RMD starting age to 73 (for those turning 73 in 2023 or later) and will move it to 75 in 2033. Missing an RMD triggers a 25% excise tax on the amount not withdrawn (reduced from 50%). Roth IRAs have no RMDs during the owner's lifetime.
🔬 Methodology & Accuracy
Formula: RMD is calculated by dividing the prior year-end account balance by the IRS Uniform Lifetime Table distribution period for the user age.
Data sources: IRS retirement plan RMD guidance: https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs; IRS Publication 590-B: https://www.irs.gov/publications/p590b
Last reviewed: June 2026 · General formula used: RMD Formula · Accuracy: Results are precise to two decimal places using IEEE-754 double-precision arithmetic. Intended for educational and planning use only.
For informational purposes only. Results are estimates based on the inputs and formulas provided. For financial, tax, medical, or legal decisions, consult a qualified professional. Rates and regulations change — always verify current figures with official sources.