IRA Required Minimum Distribution (RMD) Calculator
Calculate your Required Minimum Distribution from a traditional IRA or 401(k) based on account balance and age using IRS life expectancy tables.
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Required Minimum Distribution
Required Minimum Distributions (RMDs) are mandatory annual withdrawals from traditional retirement accounts starting at age 73 (as of SECURE 2.0 Act).
RMD = Account Balance (Dec 31 prior year) / Life Expectancy Factor
RMD age requirements:
- Born before 1951: RMDs started at 70½
- Born 1951–1959: RMDs start at 73
- Born 1960 or later: RMDs start at 75
IRS Uniform Lifetime Table (selected ages):
| Age | Factor | Age | Factor |
|---|---|---|---|
| 73 | 26.5 | 80 | 20.2 |
| 74 | 25.5 | 85 | 16.0 |
| 75 | 24.6 | 90 | 12.2 |
| 76 | 23.7 | 95 | 8.9 |
| 77 | 22.9 | 100 | 6.4 |
Key rules:
- Penalty for missing RMD: 25% of the amount not withdrawn (reduced from 50%)
- RMDs are taxed as ordinary income
- Roth IRAs have no RMDs for the original owner
- QCD (Qualified Charitable Distribution) can satisfy RMD up to $105,000/year