RMD Calculator

Estimate your Required Minimum Distribution using the IRS Uniform Lifetime Table (2022+). SECURE 2.0 raises the first RMD age to 73.

Account type

Roth IRA owners do not have lifetime RMDs.

12/31 Prior-Year Balance

Aggregate balances if you own multiple IRAs.

Your age this calendar year

Assumed annual return (for chart)

Distribution Period (Divisor)

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IRS Uniform Lifetime Table (2022+)

Calculated RMD (this year)

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Remaining Balance (after RMD, with assumed return)

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Estimates for education only; not tax advice. The Uniform Lifetime Table applies to most IRA owners. The special case for a spouse who is more than 10 years younger and the sole beneficiary uses a different table (available on request).

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