Required Minimum Distribution (RMD) Calculator
Enter your birth year and last year-end balance to find this year's RMD from traditional IRAs and 401(k)s, and when your RMDs begin.
IRS Uniform Lifetime Table
| Age | Distribution period | RMD on $100,000 |
|---|---|---|
| 73 | 26.5 | $3,774 |
| 74 | 25.5 | $3,922 |
| 75 | 24.6 | $4,065 |
| 76 | 23.7 | $4,219 |
| 77 | 22.9 | $4,367 |
| 78 | 22 | $4,545 |
| 79 | 21.1 | $4,739 |
| 80 | 20.2 | $4,950 |
| 81 | 19.4 | $5,155 |
| 82 | 18.5 | $5,405 |
| 83 | 17.7 | $5,650 |
| 84 | 16.8 | $5,952 |
| 85 | 16 | $6,250 |
| 86 | 15.2 | $6,579 |
| 87 | 14.4 | $6,944 |
| 88 | 13.7 | $7,299 |
| 89 | 12.9 | $7,752 |
| 90 | 12.2 | $8,197 |
| 91 | 11.5 | $8,696 |
| 92 | 10.8 | $9,259 |
| 93 | 10.1 | $9,901 |
| 94 | 9.5 | $10,526 |
| 95 | 8.9 | $11,236 |
Frequently asked questions
At what age do RMDs start?
73 if you were born from 1951 through 1959, and 75 if you were born in 1960 or later (SECURE 2.0).
How is the RMD calculated?
Divide the account balance on December 31 of the prior year by the distribution period for your age in the IRS Uniform Lifetime Table. At 75 the factor is 24.6, so a $500,000 balance requires about $20,325.
What is the penalty for missing an RMD?
An excise tax of 25% of the amount not taken, reduced to 10% if you correct it within two years.