How to use the RMD Calculator
Estimate rmd from your year of birth, year of rmd, account balance as of 12 or 31 last year with the RMD Calculator. It includes Required minimum distribution, Year workflows, so choose the one that matches the values you actually know. Use it as a planning baseline, then compare the estimate with current rates, fees, taxes, and provider terms.
Step by step
- For the RMD, enter your year of birth, year of rmd, account balance as of 12 or 31 last year, irs life-expectancy table, is your spouse the primary beneficiary. Keep each value in the unit displayed beside its field.
- Review the selected RMD workflow and inputs, then read rmd in the result panel.
- Change one RMD assumption at a time to compare scenarios. Use Reset to restore this tool's worked example values.
How the calculation works
Uses the 2025 IRS Publication 590-B Table III Uniform Lifetime and Table I Single Life factors; eligible sole-beneficiary spouses more than 10 years younger use the complete embedded Table II matrix for ages 20 through 120+. SECURE 2.0 starts RMDs at 73 for 1951–1959 births and 75 for 1960 or later births.
Worked example
In the RMD worked example, your year of birth 1950, year of rmd 2026, account balance as of 12 or 31 last year $500,000, irs life-expectancy table Uniform Lifetime (owner) produces rmd = of $21,097.05. Age in 2026: 76. Review the displayed units before comparing the result.
Understanding the result
The RMD reports rmd. Use it as a planning baseline, then compare the estimate with current rates, fees, taxes, and provider terms. U.S. federal planning estimate only. Account type, beneficiary status, plan terms, and later IRS changes can affect the required distribution.
How to check the answer
Check the RMD result by entering the same your year of birth, year of rmd, account balance as of 12 or 31 last year in an independent statement, lender, provider, or official tool. Change one input and confirm that rmd moves in the direction implied by Uses the 2025 IRS Publication 590-B Table III Uniform Lifetime and Table I Single Life factors; eligible sole-beneficiary spouses more than 10 years younger use the complete embedded Table II matrix for ages 20 through 120+. SECURE 2.0 starts RMDs at 73 for 1951–1959 births and 75 for 1960 or later births.
Common questions
What does the RMD calculate?
Estimate rmd from your year of birth, year of rmd, account balance as of 12 or 31 last year with the RMD Calculator.
Which RMD inputs have the biggest effect?
rmd responds directly to your year of birth, year of rmd, account balance as of 12 or 31 last year, irs life-expectancy table, is your spouse the primary beneficiary. Change one input while holding the others constant to see its effect.
Is the RMD result exact?
U.S. federal planning estimate only. Account type, beneficiary status, plan terms, and later IRS changes can affect the required distribution. Recheck your year of birth, year of rmd, account balance as of 12 or 31 last year and use rmd only for a decision where that level of precision is appropriate.