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RMD Calculator

Required minimum distributions are forced, taxable withdrawals from pre-tax retirement accounts, and the size of that forced income is set by choices made years earlier. See when yours start and how they grow.

RMD Calculator

See when required minimum distributions start for you, and roughly how large they grow to be, from a traditional IRA or 401(k) balance.

Sets your RMD start age under current law: 73, or 75 if you were born in 1960 or later.

Combine every pre-tax account; Roth accounts have no lifetime RMD and don't belong in this number.

Only affects the later rows below; this year's figure uses your balance as entered.

Educational estimate only, not tax advice. Uses the IRS Uniform Lifetime Table (2022 revision, Publication 590-B) and the SECURE 2.0 start ages. Assumes a constant growth rate and no withdrawals beyond the required amount; your actual RMD depends on your account balance on December 31st of the prior year.

From the guide library

Shrinking an RMD before it starts

By the time RMDs begin, most of the leverage is gone. The RMDs guide covers the moves that work earlier: Roth conversions, sequencing withdrawals, and qualified charitable distributions. Some people also direct new savings into permanent life insurance as a retirement tool, which keeps that money out of the pre-tax pile RMDs are calculated on in the first place.

Read the RMDs guide

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