RMD Calculator
See how much the IRS will make you withdraw from your Traditional IRA or 401(k) each year, and when it starts.
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Add your balance and age to see your RMD schedule.
What is a required minimum distribution?
An RMD is the least you must withdraw each year from tax-deferred retirement accounts (Traditional IRA, 401(k), 403(b)) once you reach the starting age. The amount is your balance on December 31 of the year before, divided by a distribution period for your age from the IRS Uniform Lifetime Table.
When do RMDs start?
Under SECURE Act 2.0 the starting age is 73 if you were born in 1951 to 1959, and 75 if you were born in 1960 or later. Your first RMD can be delayed to April 1 of the next year, but then you take two in that year.
Which accounts have RMDs?
Traditional IRAs, 401(k)s and 403(b)s. Roth IRAs have none while you’re alive, and since 2024 Roth 401(k)s have none either.
What if I miss one?
The tax is 25% of the amount you should have taken, or 10% if you fix it within two years (reduced from 50% by SECURE 2.0).
Can I take it early or give it away?
You can take more than the minimum at any time. From age 70½ you can send up to a yearly limit straight to charity (a qualified charitable distribution), which counts toward your RMD and stays out of your taxable income.
See how RMDs fit your whole plan
Bullseye shows RMDs, taxes and withdrawals year by year through retirement.
Educational estimates using the IRS Uniform Lifetime Table, which applies to most account owners. It doesn’t cover a spouse more than 10 years younger, inherited accounts, or still-working exceptions. Check your own figures with the account custodian or a tax professional.