Calculate your Required Minimum Distribution (RMD) from a traditional IRA or retirement account based on your age and account balance.
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RMD = Prior Year-End Account Balance ÷ Distribution Period, using the IRS Uniform Lifetime Table, which assigns a distribution period to each age from 72 upward. This calculator uses the table effective since 2022, which remains unchanged through 2026.
For example, a 500,000 balance at age 75 (distribution period 24.6) requires an RMD of about 20,325 for the year.
Under current rules, your first RMD is generally required starting at age 73 if you were born between 1951 and 1959, or age 75 if born in 1960 or later. Roth IRAs aren't subject to RMDs during the original owner's lifetime.
Use your account balance as of December 31 of the prior year, that's the figure the IRS RMD calculation is based on, not your current balance.
No, Roth IRAs aren't subject to RMDs during the original owner's lifetime. This calculator applies to traditional IRAs, SEP IRAs, SIMPLE IRAs, and most employer retirement plans.
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