Required Minimum Distribution (RMD) Calculator
Calculate your IRS Required Minimum Distribution from traditional IRA or 401(k). RMDs are required starting at age 73 (SECURE 2.0).
Inputs
About Required Minimum Distribution (RMD) Calculator
Which accounts have RMDs?
Traditional IRA, SEP/SIMPLE IRA, 401(k), 403(b), 457(b), Thrift Savings Plan. Roth IRA has no RMD for original owner; Roth 401(k) RMDs were eliminated by SECURE 2.0 starting 2024.
SECURE 2.0 changes
RMD age moved from 72 to 73 in 2023, and rises to 75 in 2033. Missed-RMD penalty cut from 50% to 25% (or 10% if corrected within 2 years). This calculator uses the current start age of 73: enter an age below that and it reports no RMD due, then projects your first RMD year.
QCD strategy
A Qualified Charitable Distribution lets you donate up to $108,000 (2025) directly from your IRA to charity, satisfying your RMD without counting as taxable income. The limit is indexed for inflation each year.