RMD Calculator
Your required minimum distribution from a traditional IRA or 401(k), using the IRS's own Uniform Lifetime Table, with a multi-year projection.
For the multi-year projection only.
RMD at age 73
$18,867.92
Applicable denominator
26.5
From a balance of
$500,000
| Age | Start balance | Divisor | RMD | End balance |
|---|---|---|---|---|
| 73 | $500,000 | 26.5 | $18,868 | $505,748 |
| 74 | $505,748 | 25.5 | $19,833 | $510,775 |
| 75 | $510,775 | 24.6 | $20,763 | $515,081 |
| 76 | $515,081 | 23.7 | $21,733 | $518,589 |
| 77 | $518,589 | 22.9 | $22,646 | $521,316 |
| 78 | $521,316 | 22 | $23,696 | $523,079 |
| 79 | $523,079 | 21.1 | $24,790 | $523,782 |
| 80 | $523,782 | 20.2 | $25,930 | $523,323 |
| 81 | $523,323 | 19.4 | $26,975 | $521,742 |
| 82 | $521,742 | 18.5 | $28,202 | $518,790 |
| 83 | $518,790 | 17.7 | $29,310 | $514,523 |
| 84 | $514,523 | 16.8 | $30,626 | $508,654 |
| 85 | $508,654 | 16 | $31,791 | $501,260 |
| 86 | $501,260 | 15.2 | $32,978 | $492,240 |
| 87 | $492,240 | 14.4 | $34,183 | $481,492 |
| 88 | $481,492 | 13.7 | $35,145 | $469,183 |
| 89 | $469,183 | 12.9 | $36,371 | $454,955 |
| 90 | $454,955 | 12.2 | $37,291 | $439,033 |
Full IRS Uniform Lifetime Table (ages 72-100)
| Age | Divisor | Age | Divisor |
|---|---|---|---|
| 72 | 27.4 | 87 | 14.4 |
| 73 | 26.5 | 88 | 13.7 |
| 74 | 25.5 | 89 | 12.9 |
| 75 | 24.6 | 90 | 12.2 |
| 76 | 23.7 | 91 | 11.5 |
| 77 | 22.9 | 92 | 10.8 |
| 78 | 22 | 93 | 10.1 |
| 79 | 21.1 | 94 | 9.5 |
| 80 | 20.2 | 95 | 8.9 |
| 81 | 19.4 | 96 | 8.4 |
| 82 | 18.5 | 97 | 7.8 |
| 83 | 17.7 | 98 | 7.3 |
| 84 | 16.8 | 99 | 6.8 |
| 85 | 16 | 100 | 6.4 |
| 86 | 15.2 | 101 | 6 |
How it's calculated
Each year's RMD is simply the prior year-end balance divided by the IRS's published divisor for your age that year:
RMD = prior year-end balance ÷ applicable denominator (Table III)
The multi-year projection above withdraws that amount once per year, then grows the remainder at your expected return for the rest of the year -- the site's one production simulation engine, not a single formula repeated blindly.
Worked example
A $500,000 balance at age 75: the applicable denominator is 24.6, so the RMD is $500,000 ÷ 24.6 = $20,325.20.
Frequently Asked Questions
What age do RMDs start?
Under SECURE 2.0, the required beginning age is currently 73 for anyone who turns 72 after December 31, 2022 -- a change already in effect, not a future one. It rises to 75 starting in 2033. Your very first RMD can be delayed until April 1 of the year after you reach the required age, but every year after that is due by December 31.
Where does the divisor in this calculator come from?
The IRS Uniform Lifetime Table (Table III), published in IRS Publication 590-B, Appendix B, Table III (Uniform Lifetime) (https://www.irs.gov/pub/irs-pdf/p590b.pdf). It's the table used by owners whose spouse either isn't their sole beneficiary or isn't more than 10 years younger -- the table nearly everyone uses. A different table applies only if your spouse is your sole beneficiary and more than 10 years younger than you; this calculator doesn't cover that case.
Do Roth IRAs have RMDs?
No, not during the original owner's lifetime -- Roth IRAs are exempt from RMDs entirely, one of their real advantages over a traditional IRA or 401(k). Inherited Roth IRAs held by a beneficiary do generally have distribution requirements, which this calculator doesn't cover.
What happens if I miss an RMD?
The IRS can assess an excise tax on the amount not distributed as required -- historically 50%, reduced by SECURE 2.0 to 25%, and potentially 10% if corrected promptly within a two-year window. This calculator only projects the required amount; it doesn't handle penalty relief or correction filings.
Does my 401(k) use the same table as my IRA?
For most owners, yes -- 401(k)s and traditional IRAs both generally use the Uniform Lifetime Table. If you have multiple 401(k)s, each plan's RMD must be calculated and withdrawn separately; multiple IRAs can have their combined RMD taken from any one or a mix of them.
Figures on this page are estimates from the inputs you enter, not financial advice, and this site is not affiliated with any employer, plan administrator, bank or the IRS. Real accounts vary by plan rules, taxes and fees this tool doesn't model -- see the Terms.