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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$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%
📅 $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
- Enter your account balance as of December 31 of the PRIOR year (the figure on your year-end statement).
- Enter your current age. The Uniform Lifetime Table factor changes every year, so the required distribution grows as a % of the balance with age.
- Enter your birth year so the calculator picks the right SECURE 2.0 start age (73 if born 1951–1959, 75 if born 1960+).
- 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_factorThe 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)
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