Last updated October 5, 2026 · Report an error
Once you reach a certain age, the IRS requires you to withdraw a minimum amount each year from most tax-deferred retirement accounts.
This calculator finds that required minimum distribution (RMD) using the IRS Uniform Lifetime Table.
How it works
Enter your retirement account balance as of the prior year-end and your age this year. The calculator looks up your distribution period from the IRS Uniform Lifetime Table and divides your balance by that period.
- Enter account balance (prior year-end, $).
- Enter your age this year (72–120).
- Click Calculate to see your results.
Examples
$500,000 balance, age 75
A $500,000 account balance for someone turning 75 this year has a distribution period of 24.6, producing a required minimum distribution of $20,325.20.
Who should use it
- Determining your required withdrawal from a Traditional IRA or 401(k) for the year.
- Planning ahead for the tax impact of an upcoming RMD.
Industry applications
- Retirement planning and tax preparation
- Financial advising
Advantages
- Uses the official IRS Uniform Lifetime Table values.
- Simple two-input calculation — just balance and age.
Limitations
- Doesn't cover the separate Joint Life Table used when a spouse beneficiary is more than 10 years younger.
Common mistakes to avoid
- Using your current account balance instead of the required prior year-end balance.
- Forgetting that RMD rules and starting ages have changed in recent legislation — always verify against current IRS guidance.
Best practices
- Calculate your RMD early in the year so you have time to plan withdrawals and avoid missing the deadline.
Tips
- You can always withdraw more than your RMD, but withdrawing less than required triggers a penalty — when in doubt, withdraw at least the calculated amount.
Frequently asked questions
Yes, with no signup and no limit on how many calculations you run.
Under current law, RMDs generally begin at age 73 (this calculator accepts ages starting at 72 for account holders under earlier rules) — check current IRS guidance for your specific situation.
Use your account's balance as of December 31 of the prior year, which is the figure the IRS RMD calculation is based on.
Missing an RMD can trigger a significant IRS excise tax penalty on the amount not withdrawn — consult a tax professional if you're at risk of missing one.