💰 IRS Required Minimum Distribution (RMD) Calculator
Enter your retirement account balance and age to calculate your Required Minimum Distribution — the minimum amount the IRS requires you to withdraw each year from most tax-deferred retirement accounts.
Uses the actual IRS Uniform Lifetime Table (Pub 590-B), not a formula.
How the IRS Required Minimum Distribution (RMD) Calculator works
This calculator divides your prior year-end account balance by the exact IRS Uniform Lifetime Table divisor for your age (from Treasury Regulation §1.401(a)(9)-9 / IRS Publication 590-B) — the actual published table, not an approximated formula.
Step-by-step calculation
- 1Enter last year-end account balance.
- 2Enter your age.
- 3Divide by the IRS Uniform Lifetime Table divisor.
Worked example
A $500,000 balance at age 75 (divisor 24.6): $500,000 ÷ 24.6 = $20,325.20.
IRS Required Minimum Distribution (RMD) Calculator examples
| Account balance ($, Dec 31 prior year) | Required minimum distribution |
|---|---|
| 250,000 | $10,162.6 |
| 375,000 | $15,243.9 |
| 500,000 | $20,325.2 |
| 625,000 | $25,406.5 |
| 750,000 | $30,487.8 |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use an IRS Required Minimum Distribution (RMD) Calculator?
Avoid IRS penalties by withdrawing the required minimum.
Important factors that can affect your results
- RMD start age depends on birth year.
- Different tables apply if your spouse is much younger.
- Inherited accounts have other rules.
Frequently asked questions
At what age do RMDs start?
Age 73 for those born 1951–1959, and age 75 for those born 1960 or later, under the SECURE 2.0 Act.
Is this tax advice?
No — this is a general calculation based on the published IRS table. Consult a tax professional for your specific situation.
Last reviewed November 2026 · How we build and check our tools · Report a problem