Your Result
About the RMD Calculator
This RMD Calculator computes the minimum amount you must withdraw each year from a traditional IRA, 401(k), or similar retirement account. Enter your details and you get the required distribution amount for the current year.
The calculator uses the standard IRS method: it divides your account balance from December 31 of the prior year by a distribution period factor from the IRS Uniform Lifetime Table. You enter the year-end balance, your age, and the account type. If your spouse is more than ten years younger and your sole beneficiary, the calculator applies the joint life table instead. Confirm the exact December 31 balance from your statement, and consider a tax professional for unusual account situations.
- Enter your account balance as of December 31 of the previous year.
- Select your age as of your birthday in the distribution year.
- Read the minimum withdrawal amount shown in the result field.