Retirement · Required Minimum Distribution
RMD Calculator
How this works
The math: RMD = your Dec 31 prior-year balance divided by the IRS Uniform Lifetime divisor for your age. Age 73 = 26.5, so a $500,000 balance gives roughly $18,868.
Start age: 73 if born 1951-1959, 75 if born 1960 or later (SECURE 2.0).
Roth: Roth IRAs have no RMD for the original owner.
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Frequently asked questions
Common questions. Your exact number comes from the calculator above; every answer cites the official source.
What is a required minimum distribution (RMD)?⌄
An RMD is the minimum amount you must withdraw each year from a traditional IRA or workplace retirement plan once you reach the RMD start age. It equals your prior-year-end account balance divided by an IRS life-expectancy divisor for your age. The calculator looks up the divisor from the Uniform Lifetime Table and divides your balance for you.
Source: IRS Pub. 590-B / Uniform Lifetime Table
At what age do RMDs start?⌄
Under current law (SECURE 2.0), RMDs begin at age 73 for people born 1951-1959 and at age 75 for those born in 1960 or later. People born 1950 or earlier were already under the prior rules. Your first RMD can be deferred to April 1 of the year after you reach the start age (the required beginning date), but every later year's RMD is due by December 31.
Source: SECURE 2.0 Act / IRS RMD FAQs
Which table does the calculator use?⌄
It uses the IRS Uniform Lifetime Table, which applies to most account owners. A separate Joint Life and Last Survivor table applies only when your sole beneficiary is a spouse more than 10 years younger, and inherited accounts use the Single Life table. The divisor values come from the IRS life-expectancy tables effective January 1, 2022.
Source: IRS Pub. 590-B, Appendix B
Do Roth accounts have RMDs?⌄
Roth IRAs have no required distributions during the original owner's lifetime, and starting in 2024 the same is true for Roth 401(k)s. Only the traditional, pre-tax balances trigger RMDs. If all of your retirement money is in Roth accounts, you have no lifetime RMD to take.
Source: SECURE 2.0 Act / IRS RMD FAQs
What this covers. This estimates your annual Required Minimum Distribution from a traditional IRA or pre-tax retirement account using the IRS Uniform Lifetime Table - the table for owners whose sole beneficiary is not a spouse more than 10 years younger. Inherited (beneficiary) IRAs use the Single Life table and are not covered here. Take the full amount by December 31 (or April 1 for your first RMD year) to avoid the excise tax. Confirm with the IRS RMD FAQs or a tax professional. Last updated 2026-06-23.