An RMD (Required Minimum Distribution) is the minimum amount the IRS requires you to withdraw annually from traditional IRAs, 401(k)s, and other tax-deferred retirement accounts once you reach a certain age. The SECURE 2.0 Act raised the starting age to 73 for those born 1951–1959, and 75 for those born in 1960 or later.

How is the RMD calculated?

RMD = Account Balance (as of Dec 31 prior year) ÷ Distribution Period from the IRS Uniform Lifetime Table. For example, at age 73 the distribution period is 26.5, so a $500,000 balance requires an RMD of $500,000 ÷ 26.5 = $18,868.

What age do RMDs start?

Under SECURE 2.0, RMDs start at age 73 if you were born between 1951 and 1959, and age 75 if born in 1960 or later. Prior rules started RMDs at age 70½ or 72 depending on birth year.

Do Roth IRAs require RMDs?

No — Roth IRAs do not require RMDs during the original owner's lifetime. However, Roth 401(k)s previously required RMDs; SECURE 2.0 eliminated this requirement starting in 2024. Inherited Roth IRAs do have distribution requirements.

RMD Calculator

Q: What happens if I don't take my RMD?

Failure to take your full RMD results in a 25% excise tax on the amount not withdrawn (reduced to 10% if corrected within 2 years). This is one of the largest tax penalties in the U.S. tax code.

Calculate your Required Minimum Distribution (RMD) for traditional IRAs, 401(k)s, 403(b)s, and other pre-tax retirement accounts. Uses the IRS Uniform Lifetime Table as updated for 2022 and beyond.

Required Minimum Distribution Calculator

Account Balance (Dec 31 of prior year) ($)

Your Age (as of Dec 31 this year)

Account Type

What Is an RMD?

A Required Minimum Distribution (RMD) is the minimum amount you must withdraw annually from certain tax-deferred retirement accounts once you reach RMD age. Under SECURE Act 2.0 (2022), the RMD starting age increased to 73 for those born 1951–1959, and will increase to 75 for those born in 1960 or later.

Accounts subject to RMDs include traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k), 403(b), and 457(b) plans. Roth IRAs are NOT subject to RMDs during the owner's lifetime.

IRS Uniform Lifetime Table (Selected Ages)

Age	Distribution Period	Age	Distribution Period
73	26.5	85	16.0
74	25.5	86	15.2
75	24.6	87	14.4
76	23.7	88	13.7
77	22.9	89	12.9
78	22.0	90	12.2
80	20.2	95	8.9

Frequently Asked Questions

What happens if I don't take my RMD?+

Failing to take your RMD (or taking too little) results in a penalty tax. Under SECURE Act 2.0, the penalty was reduced from 50% to 25% of the amount not withdrawn (and further reduced to 10% if corrected within two years). The IRS may waive the penalty for reasonable errors if you make up the missed distribution promptly.

Can I take more than my RMD?+

Yes, you can always withdraw more than the required minimum. The RMD is the floor, not a ceiling. However, any amount withdrawn is taxed as ordinary income in the year of withdrawal, so you may want to plan distributions strategically with a tax professional.

Do Roth IRAs have RMDs?+

Traditional Roth IRAs are NOT subject to RMDs during the owner's lifetime — one of their key tax advantages. However, inherited Roth IRAs (received by non-spouse beneficiaries) are subject to RMD rules. Roth 401(k) accounts were subject to RMDs until 2024, when SECURE Act 2.0 eliminated that requirement.

About the Rmd Calculator

This free rmd calculator helps you get accurate results instantly without needing to work through the math manually. Whether you need a quick estimate or a precise figure, having a reliable tool on hand saves time and reduces errors compared to manual calculation.

How to Use This Calculator

Enter your values in the input fields above. Each field is labeled to guide you.
Double-check your inputs — results are only as accurate as the numbers you enter.
Click the Calculate button to see your result instantly.
Use the result for your planning, budgeting, or decision-making.

Why Accurate Calculations Matter

Small errors in math calculations can compound into significant problems. A 1% miscalculation in a budget or measurement can translate to hundreds or thousands of dollars in wasted resources, or result in having to redo work entirely. This calculator uses the standard formulas and methods to give you reliable results you can trust.

Tips for Getting the Best Results

Use consistent units throughout (all in feet, all in dollars, etc.)
For estimates, add a 10% buffer to account for real-world variables
Save your result by taking a screenshot or writing it down before closing the page
For decisions involving significant money or safety, verify results with a qualified professional

Frequently Asked Questions

Is this calculator free? Yes — completely free with no account, login, or payment required. Use it as many times as you need.

How accurate are the results? This calculator uses the standard formulas for rmd calculations. Results are accurate for typical use cases. For specialized or high-stakes applications, consult a professional.

Does it work on mobile? Yes. This calculator is fully responsive and works on smartphones, tablets, and desktops.

RMD Calculator

What Is an RMD?

IRS Uniform Lifetime Table (Selected Ages)

Frequently Asked Questions

Related Calculators

About the Rmd Calculator

How to Use This Calculator

Why Accurate Calculations Matter

Tips for Getting the Best Results

Frequently Asked Questions