Finance

RMD Calculator

Required minimum distribution and the tax on it.

Enter your values

Balance on 31 December last year($)

Enter the balance on 31 december last year in $.

Your age this year(yr)

Enter the your age this year in yr.

IRS life expectancy factor

Enter the irs life expectancy factor you are working with.

Your marginal tax rate(%)

Enter the your marginal tax rate in %.

Already withdrawn this year($)

Enter the already withdrawn this year in $.

Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.

Results

Required minimum distribution: $24,390.24
Still to withdraw: $24,390.24
Estimated tax on the RMD: $5,365.85
Net amount you keep: $19,024.39
As a share of the balance: 4.07%
Monthly if spread evenly: $2,032.52
Penalty if missed (25%): $6,097.56

Quick answer

Your required minimum distribution is the prior year-end balance divided by the IRS Uniform Lifetime Table factor for your age.

RMD = balance ÷ life expectancy factor

At a glance

What it does	Required minimum distribution and the tax on it.
Category	Finance
Inputs needed	Balance on 31 December last year, Your age this year, IRS life expectancy factor, Your marginal tax rate, Already withdrawn this year
Main output	Required minimum distribution
Formula	RMD = balance ÷ life expectancy factor
Cost	Free — no sign-up, no download

How to use the RMD Calculator

1Enter the account balance as of 31 December last year.
2Enter your age and the matching Uniform Lifetime Table factor.
3Add anything already withdrawn this year.

Inputs explained

Balance on 31 December last year($): Enter the balance on 31 december last year in $.
Your age this year(yr): Enter the your age this year in yr.
IRS life expectancy factor: Enter the irs life expectancy factor you are working with.
Your marginal tax rate(%): Enter the your marginal tax rate in %.
Already withdrawn this year($): Enter the already withdrawn this year in $.

Worked example

Using the values the calculator loads with:

Inputs

Balance on 31 December last year600000 $
Your age this year75 yr
IRS life expectancy factor24.6
Your marginal tax rate22 %
Already withdrawn this year0 $

Results

Required minimum distribution$24,390.24
Still to withdraw$24,390.24
Estimated tax on the RMD$5,365.85
Net amount you keep$19,024.39
As a share of the balance4.07%
Monthly if spread evenly$2,032.52
Penalty if missed (25%)$6,097.56

Frequently asked questions

When do RMDs start?

At age 73 under current US rules, with the first distribution allowed as late as 1 April of the following year — though delaying stacks two RMDs into one tax year.

Do Roth accounts have RMDs?

Roth IRAs never have RMDs for the original owner, and Roth 401(k)s no longer do either. Inherited accounts follow separate rules.

What do I need to enter into the RMD Calculator?

Just 5 values: balance on 31 december last year, your age this year, irs life expectancy factor, your marginal tax rate, already withdrawn this year. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.

How does the RMD Calculator work out the answer?

Your required minimum distribution is the prior year-end balance divided by the IRS Uniform Lifetime Table factor for your age. It applies the formula RMD = balance ÷ life expectancy factor and shows the working so you can check each step by hand.

Is the RMD Calculator free, and do I need an account?

It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.

Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.