RMD Calculator
Required minimum distribution and the tax on it.
Enter your values
ⓘ Live results
Results
- Required minimum distribution
- $24,390.24
- Still to withdraw
- $24,390.24
- Estimated tax on the RMD
- $5,365.85
- Net amount you keep
- $19,024.39
- As a share of the balance
- 4.07%
- Monthly if spread evenly
- $2,032.52
- Penalty if missed (25%)
- $6,097.56
Quick answer
Your required minimum distribution is the prior year-end balance divided by the IRS Uniform Lifetime Table factor for your age.
RMD = balance ÷ life expectancy factor
How to use the RMD Calculator
- 1Enter the account balance as of 31 December last year.
- 2Enter your age and the matching Uniform Lifetime Table factor.
- 3Add anything already withdrawn this year.
Worked example
Using the values the calculator loads with:
Inputs
- Balance on 31 December last year600000 $
- Your age this year75 yr
- IRS life expectancy factor24.6
- Your marginal tax rate22 %
- Already withdrawn this year0 $
Results
- Required minimum distribution$24,390.24
- Still to withdraw$24,390.24
- Estimated tax on the RMD$5,365.85
- Net amount you keep$19,024.39
- As a share of the balance4.07%
- Monthly if spread evenly$2,032.52
- Penalty if missed (25%)$6,097.56
Frequently asked questions
When do RMDs start?
At age 73 under current US rules, with the first distribution allowed as late as 1 April of the following year — though delaying stacks two RMDs into one tax year.
Do Roth accounts have RMDs?
Roth IRAs never have RMDs for the original owner, and Roth 401(k)s no longer do either. Inherited accounts follow separate rules.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.