Your Details
Adjust the values to update your RMD
Age at Year-End 73 – 115
Age must be 73 or older to take an RMD
Previous Year-End Account Balance ± $10,000
Min $1Max $999,999,999
Enter a balance of at least $1
Is your spouse the primary beneficiary?
Spouse’s Age at Year-End 1 – 115
Your Required Minimum Distribution
Updates as you type
Your Required Minimum Distribution starting at the age of 73 will be
$0
$100,000 ÷ 26.5 distribution period
Uniform Lifetime Table
RMD FAQ
Answers based on IRS Publication 590-B (2025). For guidance on your situation, consult the IRS or a tax professional.
What is a required minimum distribution (RMD)?+
An RMD is the minimum amount you must withdraw from your tax-deferred retirement accounts each year once you reach a certain age. RMDs generally apply to traditional IRAs (including SEP and SIMPLE IRAs) and most workplace plans such as 401(k), 403(b), and 457(b) plans. Roth IRAs are not subject to RMDs during the original owner’s lifetime.
Source: IRS Publication 590-B (2025); IRS.gov “Retirement plan and IRA required minimum distributions FAQs.”
How does this calculator figure my RMD?+
It divides your account balance as of December 31 of the prior year by an IRS life-expectancy factor (the “distribution period”). Most people use the Uniform Lifetime Table. If your spouse is your sole beneficiary and is more than 10 years younger than you, the IRS Joint Life and Last Survivor Table is used instead, which gives a larger factor and a smaller RMD. All factors come from IRS Publication 590-B, Appendix B.
Source: IRS Publication 590-B (2025), Appendix B (Tables II and III).
Who needs to take RMDs?+
Owners of traditional, SEP, and SIMPLE IRAs, and participants in most employer-sponsored plans (401(k), 403(b), 457(b), profit-sharing, etc.), generally must begin taking RMDs at age 73 (for tax years 2023 and later). Roth IRA owners do not have to take RMDs during their lifetime.
Source: IRS Publication 590-B (2025); IRS.gov RMD FAQs.
When must I take my RMD?+
Your first RMD is due by April 1 of the year after you turn 73 (your “required beginning date”). Every RMD after that is due by December 31 each year. Note: if you delay your first RMD to April 1, you will take two RMDs in that same year.
Source: IRS Publication 590-B (2025), “When Must You Withdraw Assets?”
What happens if I don’t withdraw enough?+
If you withdraw less than your RMD for the year, the amount not distributed is subject to a 25% excise tax. This may be reduced to 10% if you take the shortfall distribution and file the required return within the IRS “correction window.” The penalty is reported on Form 5329.
Source: IRS Publication 590-B (2025), “Excess Accumulations (Insufficient Distributions)”; SECURE 2.0 Act of 2022.
Illustrative tool for educational purposes only. Estimates use the IRS life expectancy factors in Publication 590-B (2025), Appendix B, and assume a traditional IRA / retirement plan subject to lifetime RMDs (Roth IRAs are not subject to RMDs during the owner’s lifetime). Results are not tax advice and do not account for every situation (e.g., multiple accounts, mid-year changes in marital status, or inherited accounts). Consult the IRS or a qualified tax professional. · Last updated: June 15, 2026.