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RMD Calculator
Once a person reaches the age of 73, the IRS requires retirement account holders to withdraw a minimum amount of money each year - this amount is referred to as the Required Minimum Distribution (RMD). This calculator calculates the RMD depending on your age and account balance. The calculations are based on the IRS Publication 590-B, so the calculator is intended for residents of the United States only.
Understand Your Required Minimum Distribution (RMD) Results
A Required Minimum Distribution (RMD) is the amount the IRS requires you to withdraw each year from your retirement accounts once you reach a certain age. These withdrawals ensure the government eventually collects taxes on funds that have grown tax-deferred inside traditional IRAs, 401(k)s, and similar accounts.
Our RMD Calculator—also called an IRA minimum distribution calculator or IRA RMD calculator—helps you estimate the minimum amount you must withdraw annually based on your age, account balance, and IRS life expectancy factors.
Whether you’re managing a traditional IRA or other tax-deferred accounts, this tool simplifies the math so you can plan withdrawals confidently and avoid costly IRS penalties.
Taking your required minimum distributions on time isn’t optional—it’s a legal requirement. If you miss or underpay an RMD, the IRS can impose a hefty penalty (up to 25% of the amount not withdrawn). That’s why understanding your numbers is essential for responsible retirement management.
For retirees, proper RMD planning helps manage taxes efficiently, maintain steady income, and keep investments aligned with long-term goals. Even if you don’t need the funds immediately, you can reinvest withdrawals in taxable accounts to stay on track financially.
This required minimum distribution calculator is especially useful for IRA owners, 401(k) holders, and anyone nearing age 73 or older (the new RMD starting age under recent law updates).