Finance Calculators

RMD Calculator

Calculate your Required Minimum Distribution (RMD) from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table, with a multi-year balance projection and an inherited-IRA mode for the SECURE Act's 10-year drawdown rule. Based on current IRS Publication 590-B guidance.

How to Use the RMD Calculator

Use the RMD Calculator to your Required Minimum Distribution (RMD) from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table, with a multi-year balance projection and an inherited-IRA mode for the SECURE Act's 10-year drawdown rule. Based on current IRS Publication 590-B guidance.. Enter your values to get accurate, instant results tailored to your situation.

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Understanding Required Minimum Distributions

IRS Uniform Lifetime Table basics

Expert Tips

• Know Your Start Age: RMDs begin at 73 if you were born 1951-1959, or 75 if born 1960 or later, per the SECURE 2.0 Act. Missing your deadline triggers a steep IRS excise tax.
• Inherited IRAs Follow Different Rules: Most non-spouse beneficiaries must fully deplete an inherited IRA within 10 years of the owner's death, rather than using the Uniform Lifetime Table.

The Formula — IRS Publication 590-B

RMD Calculation

• Core Formula: RMD = Prior Year-End Balance ÷ IRS Uniform Lifetime Table divisor for your age - the divisor decreases as you age, requiring larger withdrawals over time.
• Penalties: Missing an RMD can trigger a 25% excise tax on the shortfall (reduced to 10% if corrected within two years).

Frequently Asked Questions

What happens if I miss my RMD?

The IRS can impose an excise tax of 25% of the amount not withdrawn (reduced to 10% if corrected within two years). Always take your full RMD by the deadline - December 31 in most years, with a special extended deadline for your very first RMD.

Do Roth IRAs require RMDs?

No - Roth IRAs are exempt from RMDs during the original owner's lifetime, as of the SECURE 2.0 Act. Inherited Roth IRAs may still be subject to distribution rules for the beneficiary.

What is the inherited IRA 10-year rule?

Most non-spouse beneficiaries who inherit an IRA must fully deplete the account by the end of the 10th year after the original owner's death, per the SECURE Act. Depending on whether the original owner had already started RMDs, some beneficiaries may also owe annual withdrawals within that window - consult a tax advisor for your exact situation.

Can I take more than my RMD?

Yes - the RMD is a minimum, not a maximum. You can withdraw more if you need the funds, though additional withdrawals are still taxed as ordinary income.

Does this calculator account for spousal beneficiaries?

No - a sole spousal beneficiary more than 10 years younger uses a different table (Table II, the Joint Life and Last Survivor table), which typically produces a smaller RMD. This calculator uses the Uniform Lifetime Table (Table III) for account owners and non-spouse beneficiaries.