Under SECURE 2.0 (2022): age 73 if you were born 1951-1959, age 75 if born 1960 or later (starts 2033). RMDs apply to Traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax retirement accounts. Roth IRAs have no RMDs during the account owner's lifetime.

What if I miss an RMD?

The penalty was reduced by SECURE 2.0 from 50% to 25% of the under-distributed amount, and to 10% if corrected within 2 years. Still a significant penalty — file Form 5329 with the IRS to request a waiver if the miss was reasonable.

How is the RMD calculated?

RMD = (prior year-end account balance) ÷ (distribution period factor from the IRS Uniform Lifetime Table). The factor decreases as you age, so the % of the balance you must withdraw grows each year.

Can I take more than the RMD?

Yes. The RMD is the minimum; you can withdraw any amount above it. Extra withdrawals are taxed as ordinary income but reduce the future taxable balance.

RMD Calculator

Compute your Required Minimum Distribution from a Traditional IRA, 401(k), or 403(b). Uses the IRS Uniform Lifetime Table and reflects SECURE 2.0 rules (age 73 or 75 RMD start).

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