Required Minimum Distribution (RMD) Calculator
Calculate mandatory withdrawals from traditional IRAs and 401(k)s starting at age 73
Your RMD Information
RMDs begin at age 73 for most people
Include all traditional IRAs, 401(k)s, 403(b)s, etc.
Conservative estimate for retirement portfolio
Your marginal tax rate in retirement
How many years to project RMDs
Ready to Calculate?
Enter your retirement account information and click "Calculate" to see your RMD schedule.
Disclaimer: This calculator uses the IRS Uniform Lifetime Table for RMD calculations. Actual RMD requirements may vary based on beneficiary age, account types, and changing regulations. Missed-RMD penalties are substantial - consult with a qualified tax professional for personalized advice.
Understanding Required Minimum Distributions (RMDs)
Traditional IRAs and 401(k)s let you defer tax on contributions and growth, but that deferral isn't indefinite — once you reach a certain age, the IRS requires you to start withdrawing (and paying tax on) a minimum amount each year, known as a Required Minimum Distribution. Missing one, or taking too little, triggers a steep excise tax penalty.
RMDs can meaningfully affect your tax bracket, Medicare premiums (IRMAA), and overall retirement income plan, which is why many people start planning for them years before they're actually required — often through Roth conversions or charitable giving strategies designed to reduce the account balance that will eventually be subject to RMDs.
How This Calculator Works
Enter your age, traditional retirement account balance, expected return, and expected tax bracket in retirement. The calculator applies the IRS Uniform Lifetime Table — dividing your account balance by a life-expectancy factor that decreases each year — to project your RMD for each future year, the taxes owed on it, and your account balance over time.