Compute your Required Minimum Distribution from a Traditional IRA, 401(k), or inherited IRA using the IRS Uniform Lifetime Table.
Direct answers from IRS Publication 590-B, Appendix B (2022 update; still current for 2026):
Direct answers for the most-searched RMD definition and rule queries:
Required Minimum Distribution ages and the IRS Uniform Lifetime Table factor at common ages. Click “Use this” on any row to pre-fill the calculator below for that birth year.
| Age | Distribution period | Per $100K balance | Per $500K balance | Per $1M balance | Apply |
|---|---|---|---|---|---|
| 73 | 26.5 | $3,774 | $18,868 | $37,736 | Use this → |
| 75 | 24.6 | $4,065 | $20,325 | $40,650 | Use this → |
| 77 | 22.9 | $4,367 | $21,834 | $43,668 | Use this → |
| 80 | 20.2 | $4,950 | $24,752 | $49,505 | Use this → |
| 85 | 16 | $6,250 | $31,250 | $62,500 | Use this → |
| 90 | 12.2 | $8,197 | $40,984 | $81,967 | Use this → |
RMD age is 73 (born 1951-1959) or 75 (born 1960+). Use the calculator above to compute your specific RMD based on prior year-end balance.
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Author
Maya Chen, CFA
Chartered Financial Analyst
Independently reviewed
Dr. Aaron Pak, PhD
Doctor of Kinesiology & Public Health
Last reviewed: August 12, 2026 · Next scheduled review: quarterly
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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An RMD (Required Minimum Distribution) calculator is a free tool that computes the minimum amount you must withdraw each year from a Traditional IRA, 401(k), 403(b), TSP, or other pre-tax retirement account after you reach RMD age. It applies the IRS Uniform Lifetime Table (Publication 590-B) to your prior year-end balance, then divides to find the first-year RMD and a year-by-year schedule through age 100. The RMD calculator also estimates federal tax on each distribution.
How it works
Our RMD calculator uses the IRS Uniform Lifetime Table to compute the minimum amount you must withdraw each year from a Traditional IRA, 401(k), or inherited IRA starting at age 73.
Type your birth year. The RMD calculator uses it to determine your RMD start age — 73 if you were born 1951–1959, 75 if born 1960 or later, per SECURE Act 2.0.
Type the December 31 balance of the account from your most recent statement. RMDs are always calculated using the prior year-end balance, not the current balance.
Choose Traditional IRA, 401(k)/403(b)/TSP, or Inherited IRA. All three are subject to RMDs; Roth IRAs are not during the owner's lifetime. Inherited IRAs use the Single Life Table (not modeled here — disclaimer shown).
Type the marginal federal tax rate you expect to pay on the distribution. RMD distributions are taxed as ordinary income, so use the bracket you expect to be in during retirement.
The RMD calculator shows the first-year distribution, the IRS Uniform Lifetime divisor, and the federal tax owed. It also displays a year-by-year RMD schedule from your RMD start age through age 100, including the balance after each distribution.
Project Traditional and Roth IRA growth to retirement with side-by-side tax comparison.
Project tax-free Roth IRA growth up to the annual contribution limit with MAGI phase-outs.
Project 401(k) growth with employer match, contribution limits, and tax-deferred compounding.
Project retirement savings and check if you are on track.
Current age: 71 · RMD start age: 73
Dec 31 balance from your most recent statement
Roth IRAs have no RMDs during the owner's lifetime
2026 brackets: 22% / 24% / 32% depending on income
Estimates only. The Uniform Lifetime Table is the default; if your sole beneficiary is a spouse more than 10 years younger, the IRS Joint and Last Survivor Table yields a smaller RMD.
A Required Minimum Distribution is the minimum amount the IRS forces you to withdraw each year from most pre-tax retirement accounts once you reach a certain age. The RMD is calculated by dividing your prior year-end account balance by a life-expectancy factor from the IRS Uniform Lifetime Table. Under SECURE Act 2.0, the RMD starting age is 73 for those born 1951–1959 and 75 for those born 1960 or later. Failing to take the full RMD triggers a 25% excise tax on the shortfall. The calculator above computes your first-year RMD and a year-by-year schedule through age 100.