Start typing to discover tools…
 View all results
Retirement withdrawal estimator

Required Minimum Distribution Calculator

Estimate the minimum amount you may need to withdraw from a traditional IRA or another applicable retirement account for the selected distribution year.

IRS Uniform Lifetime Table
Instant calculation
No financial data stored

Enter Your Information

Use your balance from December 31 of the previous year.

$
Enter the applicable retirement account balance as of December 31 before the distribution year.
Use the age you will reach during the distribution year.
Select the calendar year for the estimated RMD.

The calculator will display a Uniform Table estimate and identify that an official Joint and Last Survivor Table calculation is required for your final amount.

This calculator provides an educational estimate, not tax, investment, or legal advice. Special rules may apply to inherited accounts, employer plans, qualifying charitable distributions, multiple accounts, and certain beneficiaries.

Calculator overview

What Is a Required Minimum Distribution?

Understand how mandatory retirement account withdrawals are generally calculated and when they may apply.

A required minimum distribution, commonly called an RMD, is the minimum amount an eligible retirement account owner generally must withdraw for a particular calendar year after reaching the applicable starting age.

RMD rules commonly apply to traditional IRAs, SEP IRAs, SIMPLE IRAs and many employer-sponsored retirement plans. Different treatment may apply to Roth accounts, inherited accounts and workplace plans when the participant is still employed.

Basic RMD formula

The general calculation divides the retirement account balance from the previous December 31 by the applicable IRS distribution period.

Required minimum distribution = previous year-end balance ÷ applicable life-expectancy factor

Which balance should you enter?

Enter the account value from December 31 immediately before the distribution year. For example, an estimated 2026 RMD generally begins with the applicable account balance from December 31, 2025.

Which IRS table normally applies?

  • The Uniform Lifetime Table generally applies to retirement account owners calculating their own RMD.
  • The Joint and Last Survivor Table generally applies when the spouse is the sole beneficiary and is more than 10 years younger.
  • The Single Life Expectancy Table may apply to certain beneficiaries and inherited retirement accounts.
Key benefits

Why Use This RMD Calculator?

Get a clear estimate without manually searching for a Uniform Lifetime Table factor.

Instant Estimate

Calculate an annual RMD estimate immediately after entering your year-end account balance and age.

Monthly Equivalent

See an optional monthly equivalent to help with retirement cash flow and withdrawal planning.

Useful Breakdown

Review the applicable factor, estimated withdrawal percentage and balance remaining after the distribution.

Simple process

How to Use the Calculator

Complete three straightforward steps to generate your estimate.

Enter the Account Balance

Provide the applicable retirement account balance recorded on December 31 of the previous calendar year.

Add Your Year-End Age

Enter the age you will reach during the selected distribution year so the correct Uniform Lifetime factor can be found.

Review the Estimate

Select Calculate RMD to view the annual amount, monthly equivalent, distribution factor and withdrawal percentage.

Required Minimum Distribution Example

Suppose an account owner is age 75 during the distribution year and had a previous year-end traditional IRA balance of $250,000. The Uniform Lifetime factor for age 75 is 24.6.

Previous year-end balance $250,000 Uniform Lifetime factor 24.6 Estimated RMD $10,162.60
Common questions

Required Minimum Distribution FAQs

Find answers to common questions about RMD calculations, withdrawals and deadlines.

An RMD is the minimum amount an eligible retirement account owner generally must withdraw each year after reaching the applicable required beginning age.

The general calculation divides the applicable retirement account balance from the previous December 31 by an IRS life-expectancy factor based on the account owner’s age and circumstances.

Under current federal rules, many account owners begin RMDs at age 73. The applicable age is scheduled to become 75 for individuals born in 1960 or later. Older account owners may be subject to earlier starting-age rules.

The first RMD may generally be delayed until April 1 of the following year. Subsequent RMDs are generally due by December 31 of each calendar year. Delaying the first RMD can result in two taxable distributions during one year.

Roth IRA owners generally do not take lifetime RMDs from their own Roth IRAs. Beneficiaries may still be subject to distribution requirements.

Yes. You may generally withdraw more than your required minimum amount. However, an additional withdrawal does not normally reduce the RMD required for a future year.

RMDs are generally included in taxable income, except for amounts representing after-tax basis or another applicable tax-free portion. Consult a tax professional for treatment specific to your account.

An IRA owner generally calculates the RMD for each IRA separately, but may be permitted to take the combined IRA amount from one or more eligible IRAs. Employer plans commonly have different aggregation rules.

Official Information

RMD rules can change and individual circumstances can affect the calculation. Verify your result using current IRS guidance or a qualified tax professional.

Review IRS Required Minimum Distribution guidance