📊 RMD Calculator

Calculate your Required Minimum Distribution (RMD) from retirement accounts using the IRS Uniform Lifetime Table

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Calculation Year

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RMD (Required Minimum Distribution) is the minimum amount the IRS requires you to withdraw from retirement accounts each year after reaching a certain age
Starting Age: 73 starting in 2024 (SECURE 2.0 Act)
Formula: RMD = Prior Year-End Account Balance ÷ Life Expectancy Factor
Applicable Accounts: Traditional IRA, 401(k), 403(b), 457(b), and other pre-tax retirement accounts
Roth IRA: No RMDs required during the account owner's lifetime
Deadline: April 1 of the year after turning 73 (first RMD), December 31 for subsequent years
Failure to withdraw or insufficient withdrawal results in a 25% penalty (reduced to 10% if corrected timely)