RMD Calculator

Calculate your IRS Required Minimum Distribution (RMD) from tax-deferred retirement accounts based on prior year balances.

RMD Calculator Options
Result Details
Enter parameters and click Calculate to view.
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Retirement Tool

RMD Calculator

Determine your legally required annual retirement distributions.

100% Free & Local
STEP 01

Prior Balance

Enter the total combined balance of your tax-deferred accounts as of December 31st of the previous year.

STEP 02

Specify Age

Enter the age you will reach by December 31st of the current tax year.

STEP 03

IRS Table Matching

The calculator matches your parameters with the standard IRS Uniform Lifetime Table.

STEP 04

View Mandate

View the calculated annual required minimum distribution and estimated monthly benchmarks.

Your Privacy Matters

All calculations run locally in your browser.

No Server Uploads

No variables or results are sent to our servers.

Auto-Cleared

Your session data is erased upon closing the tab.

Capabilities

Key Capabilities

Complete Features

IRS Pub 590-B Compliance

Integrates official life expectancy tables to ensure legal payout bounds.

Distribution Budgets

Splits your mandatory yearly total into a monthly equivalent benchmark for planning.

Comprehensive Accounts

Calculates required balances for Traditional IRAs, 401(k)s, 403(b)s, and SEP IRAs.

Tax Year Tracking

Updates calculations depending on the specific age brackets mandated by IRS regulations.

Private Financial Data

Your asset values and retirement ages process fully inside your local browser context.

Help

Common Questions Answered

Support
Q1 What happens if I do not take my RMD on time?
If you fail to withdraw the required amount, the IRS can impose an excise tax penalty of 25% (reduced to 10% if corrected within two years) on the amount not withdrawn.
Q2 Which retirement accounts require RMDs?
Traditional IRAs, SEP IRAs, SIMPLE IRAs, traditional 401(k)s, 403(b)s, and 457(b) plans require RMDs. Roth IRAs do not require RMDs during the owner's lifetime.
Q3 Can I withdraw more than the required minimum?
Yes. You can always withdraw more than the RMD. However, the excess amount cannot be applied to satisfy RMD requirements for future years.
Q4 How does a spouse's age affect the RMD calculation?
If your spouse is the sole beneficiary and is more than 10 years younger than you, you can use the Joint Life and Last Survivor Table, which reduces the required distribution.
Q5 Are RMD distributions subject to income tax?
Yes. RMD withdrawals are taxed as ordinary income in the tax year they are distributed, as the contributions were made pre-tax.