Your retirement account balance on December 31 last year and your age in; this year’s required minimum distribution out, from the IRS Uniform Lifetime Table.
Uses the IRS Uniform Lifetime Table (2022 revision). RMDs begin the year you turn 73.
Estimate for the Uniform Lifetime Table — not tax advice. Deadline is generally December 31 (April 1 of the following year for your first RMD).
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The minimum amount the IRS requires you to withdraw each year from traditional IRAs, 401(k)s and similar pre-tax retirement accounts once you reach RMD age — currently 73 under the SECURE 2.0 Act. The formula: prior December 31 balance ÷ your age's divisor from the IRS Uniform Lifetime Table.
The account balance as of December 31 of the previous year — not today's balance. Each account type has its own rules for aggregating; IRAs can usually be combined, employer plans usually cannot.
A steep excise tax on the amount not taken (25%, reducible to 10% if corrected promptly under SECURE 2.0). Don't miss it — most brokerages will automate the distribution for you.
This calculator uses the Uniform Lifetime Table, which applies to most people. If your sole beneficiary is a spouse more than 10 years younger, the IRS Joint Life table gives a smaller RMD — talk to your plan administrator. This tool is an estimate, not tax advice.