RMD Calculator
The IRS requires minimum annual withdrawals from traditional IRAs and 401(k)s once you reach the RMD age (73 for many under current law). RMD amount equals...
Enter values and click Calculate.
Schedule
Introduction
The IRS requires minimum annual withdrawals from traditional IRAs and 401(k)s once you reach the RMD age (73 for many under current law). RMD amount equals prior December 31 balance divided by IRS life expectancy factor.
Required Minimum Distributions
The IRS requires minimum annual withdrawals from traditional IRAs and 401(k)s once you reach the RMD age (73 for many under current law). RMD amount equals prior December 31 balance divided by IRS life expectancy factor.
Penalties for Missing RMDs
Failing to take the full RMD triggers a substantial penalty on the shortfall. Automate withdrawals or calendar reminders each year.
Roth Accounts
Roth IRAs have no owner RMDs. Roth 401(k)s had RMDs but SECURE 2.0 eliminated them for designated Roth accounts—confirm plan provisions.
Tax Planning
RMDs increase taxable income and may push you into higher Medicare IRMAA brackets. Coordinate with Income Tax Calculator and charitable QCD strategies if applicable.
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How It Works
- Enter your amounts, rates, and term in the form. Use the same units shown in the labels (dollars, years, percent).
- Click Calculate to run the RMD Calculator engine. Invalid or empty required fields show a clear error message.
- Review the summary cards for the key outputs. Expand schedules or tables when available for period-by-period detail.
- Copy, print, or share your scenario link. Reset the form anytime to start a fresh comparison.