📋 Calculator

RMD Calculator

Starting at age 73 (per SECURE 2.0), the IRS requires you to withdraw a minimum amount from your retirement accounts each year. Missing it triggers a 25% penalty. Calculate yours here.

Your Account Details

Account Balance (as of December 31 last year)

Use the prior year-end balance, not today's value.

Your Age This Year RMDs begin at age 73 (SECURE 2.0 Act, 2023).

Account Type Roth 401(k)s now have no RMD requirement (SECURE 2.0).

Your Required Distribution

This Year's RMD

—

Penalty If Missed (25%)

—

10% if corrected promptly

IRS Distribution Period (divisor) —

RMD as % of account —

Remaining balance after RMD —

Next 5 Years

Year	Age	Divisor	Est. RMD

Future RMDs estimated assuming 0% balance growth for simplicity.

Based on IRS Uniform Lifetime Table (updated 2022). Use IRS Joint Life Table if your sole beneficiary is a spouse more than 10 years younger. Consult a tax advisor for your specific situation. Roth IRAs have no RMD during the owner's lifetime; Roth 401(k)s are exempt from RMDs starting 2024 per SECURE 2.0.