Required Minimum Distribution (RMD) Calculator
Calculate your required minimum distribution for the year and project future RMDs using the IRS Uniform Lifetime Table.
Your numbers
- Distribution period
- 24.6
- Monthly equivalent
- $2,710
- RMD as % of balance
- 4.07%
How the required minimum distribution (rmd) calculator works
RMD = prior year-end account balance ÷ distribution period for your age. Distributions begin at age 73 (75 for those born in 1960 or later).
Example
Using the default inputs (Age this year: 75; Account balance on Dec 31 last year: $800,000; Expected annual growth: 5%), the calculator returns this year’s rmd of $32,520. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
What is the penalty for missing an RMD?
The excise tax is 25% of the amount not withdrawn, reduced to 10% if corrected promptly.
Do Roth IRAs have RMDs?
Not for the original owner. Roth 401(k)s no longer have RMDs starting in 2024.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.