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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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Required Minimum Distribution (RMD) Calculator
Required Minimum Distribution from a Traditional IRA, 401(k), 403(b), or similar pre-tax account. Uses the IRS Uniform Lifetime Table. SECURE 2.0 sets RMDs to start at age 73 (born 1951–1959) or 75 (born 1960 or later, starting 2033).

$500,000

Age 75

Born 1955 (RMDs start at 73)

This year's RMD

$20,325

IRS distribution factor

24.6

Monthly equivalent

$1,693.77

% of balance

4.07%

RMD penalty: Missing an RMD triggers a 25% penalty on the under-distributed amount (reduced to 10% if corrected within 2 years, down from the pre-SECURE 2.0 50%). File Form 5329 with the IRS to request a waiver if a miss was due to reasonable error.
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📅 $20,325 RMD

Prior year-end balance $500,000 · age 75.

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The Required Minimum Distribution Calculator uses the IRS Uniform Lifetime Table (Publication 590-B) to compute your annual RMD from Traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts. SECURE 2.0 (2022) raised the RMD start age to 73 (born 1951–1959) and 75 (born 1960+, starting in 2033). Missing an RMD triggers a 25% penalty — accurate compliance matters.

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How this calculator works

  1. Enter your account balance as of December 31 of the PRIOR year (the figure on your year-end statement).
  2. Enter your current age. The Uniform Lifetime Table factor changes every year, so the required distribution grows as a % of the balance with age.
  3. Enter your birth year so the calculator picks the right SECURE 2.0 start age (73 if born 1951–1959, 75 if born 1960+).
  4. Read your RMD for the current year. You must take it by December 31 (April 1 of the FIRST RMD year if you defer — but doing so doubles up the first two years).

RMD = balance_prior_year_end / distribution_period_factor

The IRS publishes a Uniform Lifetime Table (Table III in Pub 590-B) that gives a distribution period factor for each age. Divide your prior year-end balance by the factor to get the minimum you must withdraw this year. The factor decreases as you age, so the % you must withdraw grows.

balance_prior_year_end
Account balance on December 31 of the prior year
distribution_period_factor
IRS Uniform Lifetime Table value for your age (Pub 590-B)

Frequently asked questions

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.

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