RMD Calculator
Find your required minimum distribution from an IRA or 401(k) with the IRS Uniform Lifetime Table, and project it year by year.
Change the values and press Calculate to work out your own figures.
Enter your birth year, the year and last year-end balance.
| Year | Age | Period | RMD | Balance at year end |
|---|---|---|---|---|
| 2026 | 75 | 24.6 | $12,195.12 | $302,804.88 |
| 2027 | 76 | 23.7 | $12,776.58 | $305,168.54 |
| 2028 | 77 | 22.9 | $13,326.14 | $307,100.83 |
| 2029 | 78 | 22 | $13,959.13 | $308,496.75 |
| 2030 | 79 | 21.1 | $14,620.70 | $309,300.89 |
| 2031 | 80 | 20.2 | $15,311.93 | $309,454.01 |
| 2032 | 81 | 19.4 | $15,951.24 | $308,975.47 |
| 2033 | 82 | 18.5 | $16,701.38 | $307,722.86 |
| 2034 | 83 | 17.7 | $17,385.47 | $305,723.54 |
| 2035 | 84 | 16.8 | $18,197.83 | $302,811.88 |
| 2036 | 85 | 16 | $18,925.74 | $299,026.73 |
| 2037 | 86 | 15.2 | $19,672.81 | $294,305.26 |
| 2038 | 87 | 14.4 | $20,437.87 | $288,582.66 |
| 2039 | 88 | 13.7 | $21,064.43 | $281,947.36 |
| 2040 | 89 | 12.9 | $21,856.38 | $274,188.35 |
| 2041 | 90 | 12.2 | $22,474.45 | $265,423.31 |
| 2042 | 91 | 11.5 | $23,080.29 | $255,614.19 |
| 2043 | 92 | 10.8 | $23,667.98 | $244,726.92 |
| 2044 | 93 | 10.1 | $24,230.39 | $232,732.87 |
| 2045 | 94 | 9.5 | $24,498.20 | $219,871.32 |
| 2046 | 95 | 8.9 | $24,704.64 | $206,160.24 |
| 2047 | 96 | 8.4 | $24,542.89 | $191,925.37 |
| 2048 | 97 | 7.8 | $24,605.82 | $176,915.82 |
| 2049 | 98 | 7.3 | $24,235.04 | $161,526.57 |
| 2050 | 99 | 6.8 | $23,753.91 | $145,848.99 |
| 2051 | 100 | 6.4 | $22,788.90 | $130,352.53 |
| 2052 | 101 | 6 | $21,725.42 | $115,144.74 |
| 2053 | 102 | 5.6 | $20,561.56 | $100,340.42 |
| 2054 | 103 | 5.2 | $19,296.23 | $86,061.20 |
| 2055 | 104 | 4.9 | $17,563.51 | $72,800.75 |
| 2056 | 105 | 4.6 | $15,826.25 | $60,614.54 |
| 2057 | 106 | 4.3 | $14,096.40 | $49,548.86 |
| 2058 | 107 | 4.1 | $12,085.09 | $39,941.22 |
| 2059 | 108 | 3.9 | $10,241.34 | $31,696.94 |
| 2060 | 109 | 3.7 | $8,566.74 | $24,715.05 |
| 2061 | 110 | 3.5 | $7,061.44 | $18,889.36 |
| 2062 | 111 | 3.4 | $5,555.69 | $14,278.13 |
| 2063 | 112 | 3.3 | $4,326.71 | $10,665.33 |
| 2064 | 113 | 3.1 | $3,440.43 | $7,758.17 |
| 2065 | 114 | 3 | $2,586.06 | $5,560.02 |
| 2066 | 115 | 2.9 | $1,917.25 | $3,920.77 |
| 2067 | 116 | 2.8 | $1,400.28 | $2,716.54 |
| 2068 | 117 | 2.7 | $1,006.12 | $1,846.24 |
| 2069 | 118 | 2.5 | $738.50 | $1,200.05 |
| 2070 | 119 | 2.3 | $521.76 | $738.29 |
| 2071 | 120 | 2 | $369.15 | $406.06 |
Show the working
- RMD = prior Dec 31 balance ÷ distribution period (Uniform Lifetime Table)
- next balance = balance × (1 + return) − RMD
How to use it
Enter your birth year, the year and last year-end balance.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
RMD = balance on Dec 31 of the prior year ÷ distribution period (Uniform Lifetime Table) next balance = balance × (1 + return) − RMD
Deadlines
The first RMD may wait until April 1 of the following year, but then two fall in that year. A missed RMD costs 25% of the shortfall, or 10% if corrected in time. Roth IRAs need no RMDs while you are alive.
Questions
What is the RMD on $300,000 at age 75?
$12,195.12 (÷ 24.6).
Formulas
RMD = balance on Dec 31 of the prior year ÷ distribution period (Uniform Lifetime Table) next balance = balance × (1 + return) − RMD
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.