RMD Estimator
Estimate your Required Minimum Distribution and see a 10-year projection using IRS Uniform Lifetime tables.
Before you calculate
Assumes an RMD obligation and Table III eligibility. Starting age, deadlines, inherited accounts and younger-spouse rules are not determined by this tool.
RMD Formula
Divide the previous December 31 account balance by the IRS Table III denominator for the age reached at year-end. This lookup assumes an RMD is required and Table III applies; it does not determine your starting year.
RMD = Account Balance ÷ Distribution PeriodExample Scenarios
Age 73 and $500,000
The Table III denominator at age 73 is 26.5. Dividing $500,000 by 26.5 gives an estimated $18,867.92 distribution, if this table and an RMD requirement apply.
Age 101 and $60,000
The denominator at age 101 is 6.0, giving a $10,000 distribution. The older-age factors must not be replaced by the age-100 factor.
Methodology & Assumptions
Uses IRS Publication 590-B, Appendix B, Uniform Lifetime Table, including ages 101 through 120 and over. For original owners only. A sole-beneficiary spouse more than 10 years younger uses a different table. Inherited accounts and owner Roth accounts require different treatment. Projection subtracts each distribution and assumes no growth.
Sources & calculation notes
Maintained by MoneyCalc. Results are estimates based on the inputs and assumptions shown, not personalized financial advice or a lender quote. Default rates are examples unless a specific tax year or official table is identified.
References explain the underlying concepts or rules. They do not endorse or independently certify this implementation.
Calculations run in your browser. Some tools retain settings on this device. Displayed rounding can produce small differences from a statement or contract.