Estimate the required minimum distribution from a retirement account using the IRS Uniform Lifetime Table, right in your browser. Estimates only, not financial advice.
RMD Calculator Online
Estimate the required minimum distribution from a retirement account using the IRS Uniform Lifetime Table, right in your browser. Estimates only, not financial advice.
Your account balance and age are calculated locally in your browser using the IRS Uniform Lifetime Table and are never uploaded or stored. These figures are estimates only, not financial or tax advice.
RMD Calculator estimates the required minimum distribution you must withdraw from a traditional IRA, 401(k), or similar retirement account each year once you reach RMD age. Enter your prior year-end account balance and your age, and it looks up the matching distribution period from the IRS Uniform Lifetime Table, then divides your balance by that factor to estimate the amount you are required to withdraw. Ages below the current RMD start age show that no distribution is required yet, so you can check your situation year to year. It is handy for planning a year-end withdrawal, sanity-checking a custodian's RMD notice, or estimating next year's number ahead of time. These are estimates only, not financial or tax advice — the Uniform Lifetime Table and RMD rules can change, and your custodian's official calculation is the one that counts. Everything runs locally in your browser; your account balance never leaves your device.
Features
Looks up the IRS Uniform Lifetime Table distribution period for any age 72 and up
Divides your account balance by the distribution period to estimate the RMD
Flags ages below the RMD start age as not yet required, instead of a false number
Clamps ages above the table's top published entry to the final published factor
Copy a plain-text summary of the balance, age, factor, and RMD amount
Clear error banner when the balance or age entered is invalid
Includes an estimates-only, not-financial-advice reminder throughout
Runs entirely in your browser — your figures are never sent anywhere
How to use the RMD Calculator
Enter your prior year-end retirement account balance
Enter your age at the end of the distribution year
Read the distribution period factor and the estimated RMD amount
Copy the summary or adjust the balance and age to check another year
Example
Input
$500,000, age 73
Output
RMD: $18,867.92 (factor 26.5)
$500,000 divided by the age-73 Uniform Lifetime Table factor of 26.5.
Common errors & troubleshooting
RMD Calculator shows 'not yet required' but a 401(k) statement lists an RMD due. — Some inherited or older-rule accounts start RMDs earlier than the current owner rules used here — check the account's specific start age with the custodian.
Entering age as a decimal like 73.5 is rejected. — Enter your whole-number age as of the end of the distribution year; the Uniform Lifetime Table only publishes factors for whole ages.
The estimated RMD does not match the custodian's official figure. — Custodians may use a slightly different balance date or a joint life table for a spouse more than 10 years younger — this calculator uses the standard Uniform Lifetime Table and your entered balance.
Balance entered with commas or a dollar sign shows an error. — Commas and currency symbols are stripped automatically — the error means no numeric value could be read, so re-check for stray letters or extra decimal points.
Frequently asked questions
What is the RMD Calculator?
It is a tool that estimates your required minimum distribution from a traditional IRA, 401(k), or similar retirement account by dividing your account balance by the IRS Uniform Lifetime Table distribution period for your age.
What age does the RMD Calculator use as the start of required distributions?
It uses age 73, the current SECURE 2.0 start age for most owners. Entering an age below 73 shows that no distribution is required yet rather than a misleading number.
Does the RMD Calculator work for a 401(k) as well as an IRA?
Yes — the same Uniform Lifetime Table and formula apply to traditional IRAs, 401(k)s, and most other employer-sponsored retirement plans for the original account owner.
Is the RMD Calculator's distribution period the same for everyone at a given age?
The Uniform Lifetime Table used here applies to most account owners. A different joint life table applies only when your sole beneficiary is a spouse more than 10 years younger, which this calculator does not model.
Does the RMD Calculator upload my account balance?
No. The balance and age you enter are processed locally in your browser and are never sent to a server or stored anywhere.
Is the RMD Calculator's result exact enough to file with?
Treat it as an estimate for planning. It is not financial or tax advice — confirm the exact figure with your account custodian or a tax professional before withdrawing or filing.
Related tools
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Retirement Calculator — Estimate whether your savings and contributions will fund your retirement.