Estimate only, based on the current IRS Uniform Lifetime Table. Assumes your spouse isn’t your sole beneficiary more than 10 years younger than you (a different table applies in that case). Talk to us before relying on this for an actual distribution.
What is a Required Minimum Distribution?
Once you reach a certain age, the IRS requires you to start withdrawing a minimum amount each year from most tax-deferred retirement accounts — traditional IRAs, 401(k)s, and similar plans. Missing an RMD carries a real penalty, so knowing roughly what’s owed ahead of time is worth a few minutes.
How the estimate works
Enter your account balance as of December 31 of last year and your age this year. The calculator looks up your life expectancy factor on the IRS Uniform Lifetime Table and divides your balance by that factor to estimate this year’s RMD.
Things this estimate doesn’t cover
- Roth IRAs — not subject to RMDs during the original owner’s lifetime.
- Multiple accounts — IRA RMDs can be combined and taken from any one IRA, but 401(k) RMDs generally have to be taken from each plan separately.
- Inherited accounts — beneficiaries follow different rules than original account owners.
- The exact age RMDs start for you — it depends on your birth year under current law. We can confirm your specific start age.
This is a planning estimate, not tax advice. For the exact number and how it fits your broader plan, talk with our team.