RETIREMENT · DISTRIBUTIONS
RMD Calculator
Find your required minimum distribution using the IRS Uniform Lifetime Table. Enter your age (73+) and account balance to see your annual withdrawal requirement and effective rate.
LAST REVIEWED · APR 08, 2026 · BY A. CHEN, CFP®
Account DetailsReset
Your ageRMDs start at 73
73 yrs
73100
Account balanceAs of Dec 31 prior year
$500,000
$10K$5M
Live ResultsUpdated
Required distributionAnnual RMD amount
$18,868
Distribution periodIRS Uniform Lifetime Table
26.5yrs
Effective ratePercentage of balance
3.77%
Monthly equivalentRMD spread over 12 months
$1,572/mo
You need
$18,868
Account DetailsReset
Your ageRMDs start at 73
73 yrs
73100
Account balanceAs of Dec 31 prior year
$500,000
$10K$5M
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How the RMD calculator works
Your required minimum distribution is calculated by dividing your retirement account balance (as of December 31 of the prior year) by the distribution period from the IRS Uniform Lifetime Table. The distribution period shrinks as you age, meaning you’re required to withdraw a larger percentage each year.
When do RMDs start?
Under SECURE 2.0, RMDs begin at age 73 for those born 1951–1959, and age 75 for those born 1960 or later. Missing an RMD triggers a 25% excise tax on the shortfall (reduced from 50%).
Which accounts require RMDs?
- Traditional IRAs
- 401(k), 403(b), 457(b) plans
- SEP IRAs, SIMPLE IRAs
- Not Roth IRAs (during the owner’s lifetime)
Methodology. RMD = Account Balance ÷ IRS Uniform Lifetime Table distribution period. The table factor decreases with age, resulting in larger required withdrawals over time. Uses the updated Uniform Lifetime Table effective January 1, 2022 (SECURE Act 2.0).
Sources
- IRS Publication 590-B — Distributions from Individual Retirement Arrangements
- IRS Uniform Lifetime Table (updated 2022)
- SECURE 2.0 Act — RMD age increased to 73 (2023) and 75 (2033)
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Frequently asked questions
Do Roth IRAs have RMDs? +
No. Roth IRAs are exempt from RMDs during the owner’s lifetime. However, inherited Roth IRAs do have distribution requirements under the SECURE Act.
Can I take more than my RMD? +
Yes. The RMD is a minimum. You can withdraw as much as you want, but only the RMD amount is required. Extra withdrawals don’t count toward next year’s RMD.
What if I have multiple retirement accounts? +
For IRAs, calculate each account’s RMD separately, but you can take the total from any one or combination of IRAs. For 401(k)s, each plan’s RMD must be taken from that specific plan.
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