RMD

RMD (Required Minimum Distribution) Calculator

Estimate the minimum amount you must withdraw each year from a Traditional IRA or 401(k), based on the IRS Uniform Lifetime Table.

Birth year

Balance as of Dec 31 last year ($) Combined Traditional IRA/401(k) balance (not Roth)

Expected annual return (%) Used to project the next several years

Marginal tax rate (%) — optional Used to estimate tax owed on the RMD

THIS YEAR’S RMD

divisor 0

As % of balance0%

ESTIMATED TAX

RMD × your marginal tax rate

After-tax amount$0

RMD START AGE

Based on birth year (SECURE 2.0)

Current age (est.)0

Projected RMDs ahead

This tool uses the IRS Uniform Lifetime Table from Publication 590-B and doesn’t account for exceptions like a sole spousal beneficiary more than 10 years younger (which uses the Joint Life Table). Future returns are assumptions and may differ from actual results. Missing an RMD can trigger a penalty of up to 25% of the amount not withdrawn — confirm exact amounts and deadlines with a tax professional or your account custodian.