RMD Calculator
US-SpecificCalculate your required minimum distribution using the IRS Uniform Lifetime Table
Required Minimum Distribution for 2026 (age 75)
$20,325.20
Divisor: 24.6 (IRS Uniform Lifetime Table) · about $1,693.77 a month
For account owners, using the Uniform Lifetime Table (the usual case). A different table applies if your sole beneficiary is a spouse more than 10 years younger (Joint Life table), and inherited accounts follow other rules (Single Life table / 10-year rule): see IRS Publication 590-B. Not tax advice.
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About RMD Calculator
Calculates your Required Minimum Distribution (RMD): the amount the IRS requires you to withdraw each year from traditional IRAs and most workplace retirement accounts once you reach the starting age for your birth year.
Enter your birth year, the year you want the RMD for, and your account balance on December 31 of the previous year. The RMD is the balance divided by the IRS Uniform Lifetime Table divisor for your age that year.
The starting age depends on your birth year: 72 if you were born before 1951, 73 if born 1951–1959, 75 if born 1960 or later. Your first RMD can be delayed until April 1 of the following year, but then you take two distributions that year.
Watch: RMD Calculator in Action
- Are the RMD age rules the same for everyone?
- No — 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 before relying on the result.
- What age do RMDs begin?
- Age 72 if born before 1951, 73 if born 1951 to 1959, and 75 if born in 1960 or later. The tool works this out from the birth year you enter. Before that year it shows a message instead of an amount, plus a what-if figure for the starting age.
- Which balance should I enter?
- The account value on December 31 of the year before the distribution year, as the field label says. Use the figure on your year-end statement rather than today's balance, and enter the distribution year separately in the RMD for the year box.
- How is the divisor chosen?
- It is looked up in the Uniform Lifetime Table by the age you reach during the year: 26.5 at 73, 24.6 at 75, 20.2 at 80. The required amount is the balance divided by it. The table runs from 72 to 120, and ages outside that range are held at the ends.
- Does it apply to Roth accounts?
- The tool does not tell account types apart; it divides whatever balance you type. Roth IRAs have no required distributions for the original owner during life, so this calculation is not meant for them. Check your plan rules for any workplace Roth account.
- What if my spouse is the sole beneficiary and much younger?
- A different table can give a smaller required amount in that case, and this tool does not include it. The same goes for inherited accounts, which follow other rules. The note on the page points to IRS Publication 590-B for those situations.
How to use RMD Calculator
Enter your Birth year, then the year in RMD for the year, and finally Account Balance as of Dec 31 Last Year, which is the value of the account at the end of the previous calendar year. The sample is 1951, the current year and 500,000 dollars. Your age is the year you entered minus your birth year, and the starting age is worked out from the birth year.
If you have reached the starting age, the tool shows the required amount, the divisor from the table and roughly the monthly equivalent. If not, it explains that no distribution is due yet and shows what the amount would be at the starting age. Years from 2022 to next year are accepted.
When to use it
Use it to get a first number for a traditional IRA or similar account when planning a year's withdrawals, to see how the divisor changes as you age, or to check which year you first need to take money out. It suits an owner who holds the account in their own name and wants to compare year-end balances before talking with the plan provider.
When not to use it
It does not cover inherited accounts, accounts where your spouse is the sole beneficiary and more than 10 years younger, or the rule that can let some people still working skip employer-plan distributions. It also treats each balance on its own; combining several accounts needs separate care. Confirm the figure with your custodian or IRS Publication 590-B. This is general information and not financial or tax advice.
Tips for best results
Check which December 31 balance you enter, because the figure is last year's year-end value, not today's. Move the RMD year forward to watch the divisor fall, from 26.5 at age 73 to 24.6 at age 75, so the same balance requires a larger share. Read the first-year note: delaying that first distribution to April 1 means two distributions land in one tax year.
Limitations
The tool applies the IRS Uniform Lifetime Table for ages 72 to 120, using the age you reach in the chosen year. Birth years before 1951 start at 72, 1951 to 1959 at 73, and 1960 or later at 75. Accepted years run from 2022 to next year. It handles one balance at a time and cannot see withdrawals already taken, qualified charitable distributions or tax withholding.
Privacy
Birth year, year and balance are used in a calculation inside your browser and are not uploaded or stored on your device. The site may log that a valid result was displayed, with a device identifier, in order to count daily use; your balance is not included. Closing or refreshing the page clears the inputs, so note down any figure you need to keep.
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