RMD Calculator

Use this free RMD calculator to estimate a required minimum distribution from prior year-end balance and age using the IRS Uniform Lifetime Table.

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Formula steps Estimate limits shown Examples included Private history

Prior Dec. 31 balance ($)Age this year

Estimated RMD$20,325.20

$500,000 / 24.6

Uniform table factor: 24.6
Age used: 75
Balance after RMD: $479,674.80

Inherited accounts and a spouse more than 10 years younger may use different IRS tables.

Formula steps

Use the account balance from the prior December 31.
Look up the age factor in the IRS Uniform Lifetime Table.
Divide the balance by the factor.

How to use the rmd calculator

Enter the requested dollar amounts, rates, terms, tax settings, or contribution details.
Use rates as percentages, such as 6.5 for 6.5%, and check whether a field asks for a monthly or annual amount.
Press the calculate button to see the answer, supporting metrics, and formula steps.
Use the result as a planning estimate only, then copy it if the assumptions look right.

Common uses

Estimate an annual RMD from a traditional retirement account.

Look up the Uniform Lifetime Table factor for an age.

See the balance left after the estimated distribution.

Prepare before checking custodian records.

Examples

Age 75 $500,000 balance at age 75

Balance divided by table factor

Age 80 $750,000 balance at age 80

RMD estimate

Age 90 $300,000 balance at age 90

RMD estimate

Frequently asked questions

Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.

When should I use the RMD Calculator?

Use it for early planning and side-by-side comparisons, especially for tasks like these: Estimate an annual RMD from a traditional retirement account. Look up the Uniform Lifetime Table factor for an age. Treat the answer as a planning estimate, not a final quote.

What is the RMD Calculator doing with my numbers?

In plain language: The calculator divides the prior December 31 account balance by the Uniform Lifetime Table factor for the entered age. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.

What does this estimate leave out?

This does not cover inherited IRAs, Roth IRA owner rules, spouse more than 10 years younger rules, multiple account aggregation, penalties, or tax advice. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.

Does the site save my finance inputs?

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.