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
This year’s RMD
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IRS divisor (Uniform Lifetime)
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Percentage of balance
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Estimated federal tax (22%)
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Penalty if missed (25%)
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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).
QCD strategy
A Qualified Charitable Distribution lets you donate up to $105,000 (2024) directly from your IRA to charity, satisfying your RMD without counting as taxable income.