Estimate a required minimum distribution from prior Dec. 31 balance and age using the IRS Uniform Lifetime Table.
$500,000 / 24.6
This is the simple owner-style table check. Current rules generally start RMDs at age 73, and inherited accounts, a spouse more than 10 years younger, Roth owner rules, first-year timing, account aggregation, penalties, and taxes need separate review.
Estimate an annual RMD from a traditional IRA or similar retirement account.
Look up the IRS Uniform Lifetime Table factor for one age.
Check the withdrawal amount and the balance left after the estimate.
Prepare questions before checking custodian records or IRS instructions.
$20,325.20 RMD estimate using factor 24.6
$37,128.71 RMD estimate using factor 20.2
$24,590.16 RMD estimate using factor 12.2
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Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it when you want to test the exact inputs on this page: Estimate an annual RMD from a traditional IRA or similar retirement account. Look up the IRS Uniform Lifetime Table factor for one age. The result is a check against your assumptions, not proof that a lender, tax app, broker, platform, or provider will use the same number.
Prior Dec. 31 balance means the account balance at the end of the year before the distribution year. For a 2026 RMD, that usually means the December 31, 2025 balance. Age this year means your age on your birthday in the distribution year. The table factor is picked from that age, not from your age on the day you type the estimate.
In plain language: The calculator takes the prior December 31 account balance and divides it by the IRS Uniform Lifetime Table factor for the age entered. For a 2026 owner-style estimate, use the December 31, 2025 balance, choose the age you turn in 2026, then divide by that table factor.
Estimated RMD is the minimum withdrawal estimate from the entered balance. Uniform table factor is the IRS denominator. Balance after RMD is only subtraction, not a year-end prediction after market changes or taxes.
This is a simple owner-style Uniform Lifetime Table estimate. It does not cover inherited IRAs, a spouse more than 10 years younger who is the sole beneficiary, Roth IRA owner rules, multiple account aggregation, first-year deadlines, penalties, tax withholding, or tax advice. Check IRS Publication 590-B, IRS RMD FAQs, your custodian statement, tax withholding, aggregation rules, and first-year timing before treating the estimate as your real required withdrawal.
Check the balance date, the age used for the distribution year, whether the account is inherited, and whether your spouse is the sole beneficiary and more than 10 years younger.
It uses the IRS Uniform Lifetime Table factors shown in Publication 590-B for owner-style lifetime distributions. For example, age 75 uses factor 24.6, age 80 uses 20.2, and age 90 uses 12.2.
No. Inherited IRA rules can use different tables, 10-year rules, spouse rules, and beneficiary dates. Use this page only for the simple owner-style Uniform Lifetime Table estimate.
The IRS table still has an age 72 row, but the current general RMD starting age is usually 73. Use age 72 only if your account paperwork or tax professional says that row applies to your situation.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.