RMD Calculator
Find your required minimum distribution.
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About the RMD Calculator
Once you reach the required age, the IRS makes you withdraw a minimum amount from tax-deferred retirement accounts each year. Enter your prior-year-end balance and your age, and the calculator divides by the IRS Uniform Lifetime Table factor to show your required minimum distribution (RMD). Missing an RMD triggers a steep penalty, so it pays to know the number.
How to use the RMD Calculator
- 01Enter your account balance (prior Dec 31) and your age.
- 02Read the result instantly — it recalculates as you type.
- 03Adjust the numbers to model different scenarios.
Frequently asked questions
When do RMDs start?
Under current rules, at age 73 for most people. This tool uses the IRS Uniform Lifetime Table to compute the amount.
How is the RMD calculated?
Divide your prior-year-end balance by the IRS life-expectancy factor for your age. A larger factor (younger) means a smaller required withdrawal.