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RMD Calculator: Required Minimum Distribution

Find your required minimum distribution (RMD) from a traditional IRA with the IRS Uniform Lifetime Table, your RMD start age (73 or 75) and the deadline.

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Good to know: Scope: the yearly required minimum distribution (RMD) from your own traditional IRAs (including SEP and SIMPLE IRAs) in US dollars, using the IRS Uniform Lifetime Table (26 CFR 1.401(a)(9)-9, ages 72 to 120 and older): last year-end balance ÷ the distribution period for your age on your birthday this year. It also shows your RMD start age under the law (73 if you reach 72 after 2022; 75 if you reach 74 after 2032), the April 1 first-year deadline and an example of the next years. Not included: inherited IRAs and beneficiaries, a spouse who is your only beneficiary and more than 10 years younger (IRS Table II), 401(k), 403(b) and other employer plans (they can let you wait until you retire), Roth IRAs (no RMDs while you are alive), rollovers or conversions not in the IRA on December 31, qualified charitable distributions and income tax on the withdrawal. Everything stays in this browser tab; nothing is sent or saved. Independent ToolsKo estimate. Sources reviewed November 11, 2026.

How to use it (step by step)

  1. 1Find your traditional IRA balance on December 31 of last year on your year-end statement and type it in. If you have more than one IRA, add the balances together.
  2. 2Enter your birth year and the year you are taking the withdrawal, and answer the spouse question.
  3. 3Read your RMD, the deadline and how it was figured. Take at least that amount out by the deadline; you can always take more.

Words to know

RMD (required minimum distribution)
The smallest amount the IRS says you must take out of a traditional IRA each year once you reach your RMD age. You pay income tax on it like other income.
Uniform Lifetime Table
An IRS table that gives a number (the distribution period) for each age. Your RMD is your balance divided by that number, so the share you must take grows as you get older.
Distribution period
The number from the table for your age, for example 26.5 at age 73. Dividing by 26.5 means taking out about 3.8% of the balance.
Required beginning date
The latest date for your first RMD: April 1 of the year after you reach your RMD age. Every later RMD is due by December 31.

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Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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