About the RMD Calculator
Find your required minimum distribution (RMD) from a retirement account using the IRS Uniform Lifetime Table. This tool is free, works in your browser and needs no sign-up.
How to use the RMD Calculator
Enter your age this year, the account balance on 31 December last year and an expected growth rate to see future RMDs.
Formula used
RMD = account balance ÷ distribution period from the IRS Uniform Lifetime Table (for example 26.5 at age 73).
Example
With Your age this year 75, Account balance on 31 December last year 500000, Expected growth (% per year) 5, the calculator shows: Distribution period (factor) = 24.6; Required minimum distribution = 20,325.20; Per month = 1,693.77.
Frequently asked questions
When do required minimum distributions start?
RMDs generally start at age 73 for people born 1951 to 1959 and at 75 for people born in 1960 or later. Check the current IRS rules for your case.
Is the RMD Calculator free to use?
Yes. It is completely free and you can use it as many times as you like.
How accurate is the RMD Calculator?
The calculator uses standard formulas, so the maths is exact. Real life results can differ because of fees, taxes, rounding or personal factors, so treat the answer as an estimate.
Do you store the numbers I enter?
No. All calculations run in your browser. The values you type are not sent to our server.
Disclaimer: results are estimates for information only. They are not financial, medical or professional advice.