RMD Calculator
Estimate your required minimum distribution
Use the IRS Uniform Lifetime Table or applicable table
Educational estimate; RMD rules vary by account type, age, and beneficiaries.
How to Use This Calculator
Enter prior year-end balance
Use the 12/31 balance of your IRA/plan.
Enter factor
Select the life expectancy factor from the IRS table.
Calculate
RMD = Balance ÷ Factor.
Formula
RMD = Prior Year-End Balance ÷ Life Expectancy Factor
About RMD Calculator
This RMD calculator estimates the required minimum distribution from tax-deferred retirement accounts using a life expectancy factor. IRS rules specify different tables for account owners vs. beneficiaries, and ages for starting RMDs have changed in recent legislation. Use this tool to understand the mechanics and plan cash flow, then verify your factor and timing with IRS tables or a professional.
Frequently Asked Questions
Which table do I use?
Most account owners use the Uniform Lifetime Table; exceptions apply.
Are Roth IRAs included?
Roth IRAs have no RMDs for the original owner, but beneficiaries do.