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RMD Calculator

US-Specific

Calculate your required minimum distribution using the IRS Uniform Lifetime Table

Your Age (as of Dec 31 this year)

Account Balance as of Dec 31 Last Year ($)

Required Minimum Distribution This Year

$20,325.2

Divisor: 24.6 (IRS Uniform Lifetime Table)

Based on the IRS Uniform Lifetime Table (most common case). If your sole beneficiary is a spouse more than 10 years younger, a different table applies — see IRS Publication 590-B. Not tax advice.

What is this tool?

Calculates your Required Minimum Distribution — the amount the IRS requires you to withdraw annually from certain retirement accounts once you reach a certain age.

How to use it

Enter your account balance and age, and your required minimum distribution for the year is calculated based on current IRS life expectancy tables.

RMD rules and the exact starting age have changed periodically in recent tax legislation — confirm the current age threshold applies to your specific account type and birth year.