Estimate how much you’re required to withdraw from your retirement accounts this year.
Retirement Calculators
Required Minimum Distribution Calculator
Required Minimum Distribution
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What is an RMD?
A required minimum distribution (RMD) is the amount the IRS requires you to withdraw from tax-deferred retirement accounts each year once you reach age 73. This tool estimates yours.
- Enter your account balance as of December 31 last year, plus your age.
- We divide that balance by the IRS life-expectancy factor for your age to get the year’s RMD.
- Uses the Uniform Lifetime Table — or the Joint Life and Last Survivor Table when your spouse is your sole beneficiary and more than 10 years younger.
Example: a $500,000 balance at age 73 (factor 26.5) gives an RMD of about $18,868.
Estimates only, based on the 2024 IRS tables. Inherited IRAs and post-2019 rules may differ. Not tax advice — confirm your figure with a tax advisor.