Free RMD Calculator Online
Use this free RMD calculator to determine your Required Minimum Distribution from a Traditional IRA or 401(k). Enter your account balance and age to see exactly how much you must withdraw this year, your IRS distribution period, and projected RMD amounts through age 90.
Balance as of December 31 of the prior year
This Year's RMD
Enter your details to calculate
How This RMD Calculator Works
This RMD calculator divides your retirement account balance by the distribution period from the IRS Uniform Lifetime Table. The distribution period decreases as you age, which means your RMD as a percentage of your balance increases each year. At age 73, the period is 26.5, making your RMD about 3.8% of your balance. By age 85, the period drops to 16.0, pushing RMDs to about 6.3%.
The RMD calculator also projects future distributions through age 90, assuming your account earns a modest return between withdrawals. This forward-looking view helps you plan for the tax impact of increasingly larger required distributions in later years.
For married couples where the sole beneficiary is a spouse more than 10 years younger, the IRS provides a different (longer) distribution period using the Joint Life Expectancy Table. This version of the RMD calculator uses the standard Uniform Lifetime Table, which applies to most account holders.
IRS Uniform Lifetime Table (Selected Ages)
The RMD calculator uses the full IRS table for precise calculations at every age from 73 to 120+.
3 RMD Strategies to Know
QCD Option
A Qualified Charitable Distribution lets you send up to $105,000 per year directly from your IRA to charity. It satisfies your RMD requirement while keeping the distribution out of your taxable income — a powerful strategy for charitable retirees who do not need the full RMD for living expenses.
Roth Conversions
Converting Traditional IRA funds to a Roth before age 73 reduces your future RMD base. You pay taxes now at your current rate, but Roth accounts have no RMDs and grow tax-free. The RMD calculator can show how a smaller balance reduces required distributions.
Take It Early
Your first RMD is due by April 1 of the year after you turn 73, but delaying means taking two RMDs in one tax year. Taking your first distribution by December 31 of the year you turn 73 spreads the tax hit more evenly across years.
Frequently Asked Questions
Disclaimer: This RMD calculator uses the IRS Uniform Lifetime Table and is for educational purposes only. If your sole beneficiary is a spouse more than 10 years younger, the Joint Life Expectancy Table may apply, resulting in a lower RMD. Consult a tax professional for personalized advice on your required minimum distributions.
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