RMD Calculator
Calculate your annual Required Minimum Distribution (RMD) from traditional IRAs and 401(k)s using the official IRS Uniform Lifetime Table.
Calculator Inputs
Total fair market value of retirement accounts on December 31 of the prior tax year.
Your age by December 31 of the distribution year (must be at least 72).
- Annual Required Minimum Distribution
- $18,867.92
- Monthly Equivalent RMD
- $1,572.33
- IRS Life Expectancy Factor
- 26.50
- Starting Account Balance
- $500,000.00
About these results
CalcSpectrum calculators produce automated estimates using established formulas and the specific values you enter. Because real-world outcomes depend on input accuracy, mathematical assumptions, and rounding conventions, please verify critical figures with an appropriately qualified financial, tax, medical, legal, or other professional, as relevant.
Financial Notice: These figures are informational estimates for personal planning only. They do not constitute financial, investment, tax, or legal advice, nor do they represent a lending offer or credit approval. Provider and financial institution figures, rates, fees, and underwriting requirements may differ.
How It's Calculated
Formula
A Required Minimum Distribution (RMD) is the statutory minimum dollar amount you must withdraw annually from pre-tax retirement accounts (such as Traditional IRAs, SEP IRAs, SIMPLE IRAs, and 401(k) plans) once you reach required age under federal law. Your annual RMD is calculated by dividing your prior year-end account balance by the distribution period factor from IRS Publication 590-B (Uniform Lifetime Table III).
Worked Examples
Account Owner Age 73 with $530,000 balance
- Lookup age 73 in IRS Uniform Lifetime Table (Table III): factor = 26.5.
- Divide prior year-end balance by life expectancy factor: $530,000 / 26.5 = $20,000.
- Annual RMD obligation = $20,000 (monthly equivalent = $1,666.67).
Frequently Asked Questions
What is the RMD starting age?
Under the SECURE 2.0 Act, the starting age for RMDs increased to age 73 for individuals who reached age 72 after December 31, 2022. The age is scheduled to increase to 75 in 2033.
Which table does this calculator use?
This calculator strictly uses the IRS Uniform Lifetime Table (Table III) from IRS Publication 590-B, updated under Treasury Decision 9930. This table applies to all unmarried account owners, married owners whose spouses are not more than 10 years younger, and married owners whose spouses are not the sole beneficiary.
Do Roth IRAs have RMDs?
No. Original owners of Roth IRAs are not subject to Required Minimum Distributions during their lifetime.