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RMD Calculator

Estimate your required minimum distribution from a retirement account. Free, private, and runs entirely in your browser.

Enter values and press Calculate to see the result here.

How this is calculated

The RMD is the prior year-end balance divided by the distribution period for your age from the IRS Uniform Lifetime Table.

Formula

RMD = Balance ÷ Distribution period

Frequently asked questions

When do RMDs start? Age 73 for most people under current rules; check the latest IRS guidance.

What if I miss one? The IRS can charge an excise tax on the shortfall.

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