RMD Calculator
This RMD calculator estimates your required minimum distribution from a traditional IRA or 401(k), using the IRS Uniform Lifetime Table most account owners must use. Enter your account balance and age to see the minimum you're required to withdraw this year.
Your traditional IRA or 401(k) balance as of December 31 of the previous year — the figure the IRS actually uses.
RMDs generally start at 73 (SECURE 2.0), rising to 75 for those born 1960 or later.
Required minimum distribution
सेव करने के लिए लॉग इन करें$20,325
The minimum you must withdraw this year to avoid an IRS penalty.
Frequently asked questions
What happens if I don't take my full RMD?+
The IRS charges an excise tax on the shortfall — historically 50%, reduced under SECURE 2.0 to 25% (or 10% if corrected within a defined window). This is one of the more punitive tax penalties in the retirement account system, so RMDs shouldn't be missed.
Do Roth IRAs have RMDs?+
No — Roth IRAs have no required minimum distributions during the original account owner's lifetime, which is why some retirees convert traditional balances to Roth over time, partly to reduce future RMD obligations.
Can I take more than my RMD?+
Yes, always — the RMD is a floor, not a ceiling. Many retirees choose to withdraw more than the minimum based on their actual spending needs.