Finance & Money Calculators

RMD Calculator

Estimate a required minimum distribution from account balance, age, and distribution-period assumptions.

RMD Calculator — Online Calculator

RMD Calculator (2026)

IRS Uniform Lifetime Table · SECURE 2.0 rules

Total across traditional IRAs and 401(k) accounts

Starting age is 73 under SECURE 2.0 (75 for born 1960+)

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Disclaimer: This tool provides informational results only and should not be used as professional advice.

The RMD Calculator estimates a required minimum distribution from account balance and the distribution-period assumption used by the component.

RMD=Prior year-end account balanceApplicable distribution period\text{RMD}=\frac{\text{Prior year-end account balance}}{\text{Applicable distribution period}}

Questions

Is the distribution period fixed?

No. It depends on age, account type, beneficiary status, and current IRS tables.

Does this calculate taxes on the withdrawal?

No. Tax treatment depends on account type and personal circumstances.

Can I withdraw more than the RMD?

Account rules may permit more, but the calculator does not decide a withdrawal strategy.

Limitations

Verify the current IRS life-expectancy table, starting age, account rules, and beneficiary exceptions before taking a distribution.

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