RMD Calculator

Updated September 2026 · Figures based on current IRS rules (SECURE Act and SECURE 2.0)

Find out exactly how much you must withdraw this year from your IRA, 401(k), 403(b) or 457(b). Enter your year of birth and your account balance on December 31 of last year.

How this RMD calculator works

The calculator follows the method in IRS Publication 590-B:

1. It checks your RMD age from your year of birth: 73 for people born 1951–1959 and 75 for people born in 1960 or later. If you haven't reached it yet, it tells you your first RMD year.
2. It works out the age you reach by December 31 of the year you're calculating.
3. It looks up that age in the IRS Uniform Lifetime Table to get your divisor (the "distribution period").
4. It divides your prior year-end balance by that divisor.

It also projects the next 15 years, assuming you take exactly the RMD each year and your account grows at the rate you choose. Because the divisor falls every year, the percentage you must take rises: about 3.8% at 73, 5% at 80, 8.2% at 90.

Example RMDs at common ages

See every age from 72 to 120 in the RMD table.

Which accounts need an RMD?

• Yes: traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k), 403(b), 457(b) and most other employer plans.
• No (for the original owner): Roth IRAs, and Roth 401(k) or Roth 403(b) accounts from 2024 onward.
• Inherited accounts: different rules apply. Use the inherited IRA RMD calculator.

You calculate an RMD for each account separately. For IRAs you can add the amounts together and take the total from any one or more of your IRAs. For 401(k) plans, each plan's RMD must come out of that plan. The same "one or more accounts" flexibility applies to 403(b)s among themselves. More in the RMD rules guide.

Deadlines

Your first RMD can wait until April 1 of the year after you reach RMD age. Every other RMD is due by December 31. If you use the April 1 extension, you'll take two RMDs in the same calendar year — see when RMDs start.

When the calculator's result will be different

• Spouse more than 10 years younger: if your spouse is your sole beneficiary for the whole year and is more than 10 years younger, you use the IRS Joint Life and Last Survivor Table. Your RMD will be lower than this calculator shows.
• Still working: if you still work for the employer sponsoring your 401(k) and you don't own more than 5% of the company, that plan's RMDs can usually wait until you retire. This exception does not apply to IRAs.
• Rollovers or transfers in transit at year-end must be added to the December 31 balance.

Frequently asked questions