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RMD Calculator
Calculate your Required Minimum Distribution from tax-deferred retirement accounts with IRS life expectancy tables.
US-Specific Calculator
RMDs are a US IRS requirement for tax-deferred retirement accounts. Rules follow SECURE Act 2.0.
Currency
Account Information
Balance as of December 31 of prior year
Age Information
70 years100 years
First RMD Year
Extended deadline to April 1
Spouse Beneficiary
Spouse is Sole Beneficiary
May use Joint Life Table
Projection Settings
For multi-year projection
5 years30 years
Required Distribution
$20,325.20
This year
As Percentage
4.07%
Of account balance
Life Factor
24.6
Uniform Lifetime Table
Distribution Details
Monthly Amount
$1,693.77
If distributed evenly
Deadline
December 31, 2026
Account TypeTraditional IRA
Calculation TableUniform Lifetime Table
Penalty Warning
Failure to take your RMD results in a penalty of 25% of the amount not withdrawn (10% if corrected within 2 years).
Penalty if missed:
$5,081.30
Tax Estimate
RMD Amount$20,325.20
Est. Federal Tax (22%)-$4,471.54
Est. State Tax (5%)-$1,016.26
Net After-Tax Amount$14,837.40
RMD Projection Schedule
| Year | Age | Balance | RMD | % |
|---|---|---|---|---|
| 2026 | 75 | $500,000.00 | $20,325.20 | 4.07% |
| 2027 | 76 | $503,658.54 | $21,251.42 | 4.22% |
| 2028 | 77 | $506,527.48 | $22,119.10 | 4.37% |
| 2029 | 78 | $508,628.79 | $23,119.49 | 4.55% |
| 2030 | 79 | $509,784.77 | $24,160.42 | 4.74% |
| 2031 | 80 | $509,905.57 | $25,242.85 | 4.95% |
| 2032 | 81 | $508,895.86 | $26,231.75 | 5.15% |
| 2033 | 82 | $506,797.32 | $27,394.45 | 5.41% |
| 2034 | 83 | $503,373.01 | $28,439.15 | 5.65% |
| 2035 | 84 | $498,680.55 | $29,683.37 | 5.95% |
| 2036 | 85 | $492,447.04 | $30,777.94 | 6.25% |
| 2037 | 86 | $484,752.56 | $31,891.62 | 6.58% |
| 2038 | 87 | $475,503.99 | $33,021.11 | 6.94% |
| 2039 | 88 | $464,607.02 | $33,912.92 | 7.30% |
| 2040 | 89 | $452,228.81 | $35,056.50 | 7.75% |
Projection Summary
Total RMDs (Projected)
$599,321.12
Ending Balance
$342,782.45
Estimated years until account depletion: -106+ years
Required Minimum Distributions
RMD Rules (SECURE 2.0)
- Birth Year 1950 or earlier: RMDs started at 72
- Birth Year 1951-1959: RMDs start at age 73
- Birth Year 1960+: RMDs start at age 75
How It Works
RMD = Account Balance / Life Expectancy Factor
Key Deadlines
- First RMD: April 1 of year after turning RMD age
- Subsequent RMDs: December 31 each year
Penalty for Missing RMD
- 25% excise tax on amount not withdrawn
- Reduced to 10% if corrected within 2 years
- Must still take the required distribution