Estimate your required minimum distribution
For original owners of U.S. retirement accounts. Enter the adjusted December 31 balance from the year before the distribution year. All amounts are in USD.
Supports distribution years 2024–2060 using the rules and tables reviewed September 27, 2026. Future-year results assume unchanged rules.Annual projection
Return is applied to the opening balance, then the full RMD is withdrawn at year-end. No additional withdrawals or contributions. The already-distributed input is not applied again. Projection stops at age 120.
| Year | Age | Opening balance | Factor | Annual RMD | Year-end balance |
|---|
How this estimate works
Annual RMD = adjusted prior December 31 balance ÷ the IRS distribution factor for your age on your birthday in the distribution year. Use a separate calculation for each account.
Table III is selected automatically unless the younger-spouse option is checked. Table II requires your spouse to be the sole beneficiary and more than 10 years younger. Inherited accounts require different rules and are not calculated here.
Starting age and deadlines
The age-based start is 73 for births in 1951–1958 and 75 for births from 1960. For 1959 births, this tool uses age 73 as a planning assumption from the IRS proposed rule; confirm the applicable rule before acting. Earlier birth cohorts had earlier starting ages.
For IRAs, the first year’s RMD can generally be taken by April 1 of the following year; later RMDs are generally due December 31. Delaying the first may put two RMDs in one calendar year. Workplace-plan retirement exceptions and deadlines require administrator confirmation.
Scope and assumptions
Original-owner Roth accounts have no lifetime RMD in the supported years. The workplace option excludes pensions paid as annuities, special pre-1987 403(b) balances, and special account adjustments. Supply a custodian-confirmed adjusted balance when needed.
The optional tax figure assumes the entire RMD is taxable at your entered flat rate; it is not a tax-return calculation. Projections use unrounded values, constant returns and the current Uniform Lifetime Table. They do not model a first withdrawal delayed into the next year.
Displayed estimates round to cents. Confirm the final required amount and deadline with your custodian. Do not treat a rounded display or an assumed future return as a guarantee.
Sources: IRS RMD FAQs · Publication 590-B and tables · IRS starting-age regulations and 1959 proposal.