Required Minimum Distribution Calculator

Estimate your annual RMD using the IRS Uniform Lifetime Table

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Enter the total balance of your IRA(s) or retirement accounts.
The year for which you are taking the RMD.
The IRS calculates your RMD age as of December 31 of the distribution year.
Please enter a valid birth year. RMDs begin at age 73.
Please enter a valid account balance.

When your spouse is the sole beneficiary and more than 10 years younger, the IRS Joint Life Expectancy Table gives you a lower RMD.

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Your Estimated RMD
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Life Expectancy Factor
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How It Was Calculated

Account Balance (Dec 31)-
Your Age (Dec 31, dist. year)-
IRS Life Expectancy Factor-
Table Used-
Annual RMD-
Balance / Factor = RMD
Monthly
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Quarterly
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Annual
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Estimate only. This calculator uses the IRS Uniform Lifetime Table (2022). Your actual RMD may differ. Always verify with your custodian or a qualified tax professional. Missing an RMD deadline carries a 25% excise tax penalty.
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