RMD Estimator
Estimate your Required Minimum Distribution and see a 10-year projection using IRS Uniform Lifetime tables.
Estimate your Required Minimum Distribution and see a 10-year projection using IRS Uniform Lifetime tables.
The December 31 prior-year balance of your IRA or 401(k).
Must be 72 or older to have an RMD requirement.
The IRS Uniform Lifetime Table assigns a distribution period to each age starting at 72. Each year the prior December 31 balance is divided by that period to determine the minimum you must withdraw.
RMD = Account Balance ÷ Distribution PeriodThe SECURE 2.0 Act of 2022 raised the RMD starting age to 73 (and eventually 75 in 2033). If you were born in 1951 or later, you can delay your first RMD to April 1 of the year after you turn 73.
Failing to take a required distribution triggers a 25% excise tax on the shortfall (reduced to 10% if corrected promptly). Always ensure withdrawals are completed by December 31.
As your distribution period shortens with age, a larger fraction of your balance is required each year. This accelerates if your account grows faster than you withdraw.
A QCD allows you to donate up to $105,000/year directly from your IRA to a charity, satisfying your RMD obligation without counting the amount as taxable income.
Uses the IRS Uniform Lifetime Table for single filers or married couples. The 10-year projection simulates each year's RMD deducted from the prior year-end balance with no additional growth assumed.