Enter the year you were born and your account balance on December 31 of last year. The calculator tells you whether you owe an RMD, how much, the deadline and what the next 10 years could look like.
RMD calculator
Birth year and last year's balance in, RMD amount, deadline and a 10-year projection out.
Required minimum distribution
$0
| Year | Age | Divisor | RMD |
|---|
Uses the IRS Uniform Lifetime Table (26 CFR 1.401(a)(9)-9). The projection assumes you take only the RMD each year and the return you enter. Roth IRAs have no RMDs while the owner is alive. If your spouse is your sole beneficiary and more than 10 years younger, the IRS Joint Life table gives a smaller RMD; ask your custodian for that figure.
How an RMD is calculated
Your RMD is your balance at the end of the previous year divided by the distribution period for the age you reach this year, from the IRS Uniform Lifetime Table. At 73 the divisor is 26.5, so $100,000 means $3,774. See the full RMD table.
When you have to start
- Born 1951 to 1958: the year you turn 73.
- Born 1960 or later: the year you turn 75.
- Born 1959: 73 under proposed IRS regulations.
The first RMD can wait until April 1 of the next year, but you then take two that year. After that, each RMD is due by December 31.
Penalty for missing one
A 25% excise tax on the amount you should have taken, reduced to 10% if you fix it within two years.
Frequently asked questions
Do Roth IRAs have RMDs?
Not while the owner is alive. Since 2024, Roth accounts in 401(k) and 403(b) plans do not either.
What if my spouse is much younger?
If your spouse is your only beneficiary and more than 10 years younger, you use the IRS Joint and Last Survivor table, which gives a smaller RMD. Your account custodian can give you the exact figure.