Free RMD Calculator - Calculate Your Required Distributions
Calculate your Required Minimum Distribution (RMD) from traditional IRAs and 401(k)s based on IRS guidelines.
Formula & Methodology
Uses the IRS Uniform Lifetime Table to determine the exact minimum amount you must withdraw from tax-advantaged retirement accounts.
- RMD = Account Balance / Life Expectancy Factor
Worked Example
Using the RMD Calculator: apply the formula above to your input values. For instance, RMD = Account Balance / Life Expectancy Factor. The tool performs each step instantly and shows the result.
Frequently Asked Questions
What is a required minimum distribution?
It is the minimum amount the IRS requires you to withdraw each year from tax-deferred retirement accounts once you reach the RMD age.
How is my RMD calculated?
Divide your prior year-end account balance by an IRS life-expectancy factor for your age.
What happens if I miss an RMD?
Missing or underpaying can trigger a steep excise tax on the shortfall, so timely withdrawals matter.