Required Minimum Distribution Calculator

Calculate Your Required Retirement Account Withdrawals

Use our IRS-compliant calculator to determine your required minimum distributions and avoid costly penalties

RMD Calculator

Your Age (as of December 31st)

You must be at least 70½ to be subject to RMDs

Account Balance (as of December 31st)

Include all traditional IRA, 401(k), and similar accounts

Tax Year

Important RMD Information

What Are RMDs?

Required Minimum Distributions are mandatory withdrawals from traditional retirement accounts starting at age 73 (for those born 1951-1959) or 75 (for those born 1960 or later).

The penalty for not taking RMDs is 25% of the amount that should have been withdrawn (reduced from 50% for distributions required in 2023 and later).

Account Types Subject to RMDs

Traditional IRAs: Subject to RMDs starting at age 73/75.

401(k) Plans: Subject to RMDs unless still working.

Roth IRAs: Not subject to RMDs during the owner's lifetime.

Multiple accounts: Calculate RMDs for each account, but can take total from one account.

Tax implications: RMDs are taxed as ordinary income in the year withdrawn.

RMD Planning Tips

Plan Ahead

Start planning your RMD strategy before you're required to take distributions.

Consider Roth Conversions

Convert traditional IRA funds to Roth IRA before RMDs begin to reduce future requirements.

Charitable Giving

Consider Qualified Charitable Distributions to satisfy RMDs while supporting causes you care about.

IRS Uniform Lifetime Table (2024)

Age	Life Expectancy	Age	Life Expectancy
70	27.4	71	26.5
72	25.6	73	24.7
74	23.8	75	22.9
76	22	77	21.2
78	20.3	79	19.5
80	18.7	81	17.9
82	17.1	83	16.3
84	15.5	85	14.8
86	14.1	87	13.4
88	12.7	89	12
90	11.4	91	10.8
92	10.2	93	9.6
94	9.1	95	8.6
96	8.1	97	7.6
98	7.1	99	6.7
100	6.3	101	5.9
102	5.5	103	5.2
104	4.9	105	4.5
106	4.2	107	3.9
108	3.7	109	3.4
110	3.1	111	2.9
112	2.6	113	2.4
114	2.1	115	1.9