RMD calculator
Enter your birth year and last December 31 balance to get this year's required minimum distribution from the IRS Uniform Lifetime Table — plus a projection of every RMD to age 100.
What is an RMD calculator?
An RMD calculator divides your retirement account balance as of December 31 of last year by the IRS distribution period for your age this year. A 75-year-old with $500,000 divides by 24.6 and must withdraw $20,325 during 2026. Under SECURE 2.0, RMDs begin at age 73 if you were born 1951–1959 and at 75 if you were born in 1960 or later. This tool is an educational estimate — confirm the exact figure with your custodian or tax professional.
Every RMD to age 100.
| Period | Year-start balance | Required withdrawal | Total withdrawn | % of balance |
|---|---|---|---|---|
| 2026 · age 75 | $500,000 | $20,325 | $20,325 | 4% |
| 2027 · age 76 | $503,659 | $21,251 | $41,577 | 4% |
| 2028 · age 77 | $506,527 | $22,119 | $63,696 | 4% |
| 2029 · age 78 | $508,629 | $23,119 | $86,815 | 5% |
| 2030 · age 79 | $509,785 | $24,160 | $110,976 | 5% |
| 2031 · age 80 | $509,906 | $25,243 | $136,218 | 5% |
| 2032 · age 81 | $508,896 | $26,232 | $162,450 | 5% |
| 2033 · age 82 | $506,797 | $27,394 | $189,845 | 5% |
| 2034 · age 83 | $503,373 | $28,439 | $218,284 | 6% |
| 2035 · age 84 | $498,681 | $29,683 | $247,967 | 6% |
| 2036 · age 85 | $492,447 | $30,778 | $278,745 | 6% |
| 2037 · age 86 | $484,753 | $31,892 | $310,637 | 7% |
| 2038 · age 87 | $475,504 | $33,021 | $343,658 | 7% |
| 2039 · age 88 | $464,607 | $33,913 | $377,571 | 7% |
| 2040 · age 89 | $452,229 | $35,056 | $412,627 | 8% |
| 2041 · age 90 | $438,031 | $35,904 | $448,531 | 8% |
| 2042 · age 91 | $422,233 | $36,716 | $485,247 | 9% |
| 2043 · age 92 | $404,793 | $37,481 | $522,728 | 9% |
| 2044 · age 93 | $385,678 | $38,186 | $560,914 | 10% |
| 2045 · age 94 | $364,866 | $38,407 | $599,321 | 11% |
| 2046 · age 95 | $342,782 | $38,515 | $637,836 | 11% |
| 2047 · age 96 | $319,481 | $38,033 | $675,869 | 12% |
| 2048 · age 97 | $295,520 | $37,887 | $713,757 | 13% |
| 2049 · age 98 | $270,514 | $37,057 | $750,813 | 14% |
| 2050 · age 99 | $245,130 | $36,049 | $786,862 | 15% |
| 2051 · age 100 | $219,536 | $34,302 | $821,164 | 16% |
One division, straight from the IRS table.
The RMD formula is deliberately simple: last December 31's balance divided by a life-expectancy factor the IRS publishes in Publication 590-B. Most owners use the Uniform Lifetime Table — 26.5 at age 73, 24.6 at 75, 20.2 at 80, 12.2 at 90. A 73-year-old with $500,000 must withdraw $500,000 ÷ 26.5 = $18,868 that year; by 80, with the same balance, the requirement climbs to $24,752 because the divisor has fallen to 20.2. The divisor shrinks every year, so the required slice of your account keeps growing — from about 3.8% of the balance at 73 to 8.2% at 90.
SECURE 2.0 rewrote the start dates. Born 1951–1959, your first RMD year is the year you turn 73; born 1960 or later, it's the year you turn 75. Only your first RMD can be delayed to April 1 of the following year — and doing so stacks two taxable RMDs into one year, which often costs more in bracket creep than the deferral saves.
One exception lowers the bill: if your spouse is your sole beneficiary and more than 10 years younger, you use the Joint Life and Last Survivor Table instead. At 75 with a 60-year-old spouse the divisor stretches from 24.6 to 28.3, trimming the RMD on $500,000 from $20,325 to $17,668. The projection above applies whichever table you select year by year, with the balance growing at your chosen rate net of each withdrawal.
- B
- Prior year-end balance — account value on December 31 of last year
- d
- Distribution period — IRS divisor for your age this year (24.6 at 75)
- 73/75
- Start age — born 1951-1959 → 73 · born 1960+ → 75 (SECURE 2.0)
- 25%
- Excise tax — penalty on any shortfall, 10% if corrected promptly
Six ways to actually use these numbers.
Take it by December 31.
Every RMD after your first is due December 31. Custodians get swamped in late December — schedule the withdrawal by early December to avoid a processing miss.
Think twice about the April 1 delay.
Delaying your first RMD to April 1 means two RMDs land in one tax year. On a $500K balance that is roughly $39K of income at once — often enough to jump a bracket or trigger IRMAA.
Use QCDs if you give anyway.
A qualified charitable distribution sends IRA money straight to charity, counts toward the RMD, and never appears in your AGI — better than deducting a cash gift.
Aggregate IRAs, not 401(k)s.
You may total all IRA RMDs and take the sum from one IRA. 401(k)s do not aggregate — each plan must distribute its own RMD. Consolidating old 401(k)s into an IRA simplifies this.
Withhold taxes from the RMD itself.
Custodians can withhold federal (and state) tax from the distribution, and IRS treats withholding as paid evenly through the year — a clean way to fix an estimated-tax shortfall in December.
Model growth honestly.
At 5% growth, RMDs on $500K keep rising into your mid-80s even as withdrawals accelerate. Use the projection to plan taxes a decade ahead, not just this year.