RMD Calculator
The IRS makes you withdraw a minimum from traditional retirement accounts starting at 73. Enter your age and balance — we'll use the official IRS table to find your number.
Your numbers
Your required minimum distribution
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You must withdraw
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IRS life-expectancy factor
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Of your balance
How it grows with age
| Age | Factor | RMD on this balance |
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Uses the IRS Uniform Lifetime Table (updated 2022). Your RMD is due December 31 each year — miss it and the penalty can be up to 25% of what you should have withdrawn.
RMD essentials
Which accounts? Traditional, SEP, and SIMPLE IRAs, 401(k)s, 403(b)s. Not Roth IRAs (for the original owner).
First RMD: You may delay your very first one to April 1 of the next year — but then you take two in one year.
Still working? You may delay 401(k) RMDs from your current employer's plan until you retire.
Common questions
Can I withdraw more than the RMD?
Yes — the RMD is a minimum. But extra withdrawals don't reduce next year's requirement.
What if my spouse is much younger?
If your spouse is the sole beneficiary and 10+ years younger, a different (Joint Life) table applies with lower RMDs.
Are RMDs taxed?
Yes, as ordinary income. A popular move: donate your RMD directly to charity (QCD) to avoid the tax, if you're charitably inclined.