Required minimum distribution (RMD) calculator
Enter your year of birth and the account balance on 31 December of the year before. The calculator finds your age, the IRS divisor and the amount you must withdraw.
Rules: IRS Uniform Lifetime Table (2022 onward)Result
Fill in your numbers and press Calculate. The answer shows the formula and the rules it used.
Signed in, INDYXQUANT projects RMDs from your real account balances and shows the tax and IRMAA they bring each year.
Do this with your real portfolioHow it is worked out
RMD = prior year-end balance / the distribution period for your age at the end of the distribution year (IRS Publication 590-B, Uniform Lifetime Table).
SECURE 2.0 section 107: RMDs start at 73 for people born 1951 to 1959 and at 75 for people born in 1960 or later.
The first RMD may wait until 1 April of the next year; every later one is due by 31 December.
Questions
When do RMDs start?
At age 73 if you were born between 1951 and 1959, and at 75 if you were born in 1960 or later (SECURE 2.0 Act section 107).
What happens if I miss an RMD?
The shortfall is taxed at 25%, reduced to 10% if it is corrected within two years.
Do Roth IRAs have RMDs?
Not for the original owner. Inherited accounts follow separate rules not covered here.
Sources
Rules: IRS Uniform Lifetime Table (2022 onward). This page is for education and is not tax, legal or investment advice.