Enter Current age, RMD starting age and Account balance ($) and the remaining scenario settings to review rmd this year with this tool. The modeled distribution divides the prior year-end balance by the selected distribution-period factor.
| Age | Balance | RMD Amount |
|---|---|---|
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Click "Calculate" to see your RMD schedule |
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Result = Financial inputs processed using the applicable rate, payment, compounding or cash-flow relationship shown by this calculator.The calculation links Current age, RMD starting age and Account balance ($) to rmd this year. The modeled distribution divides the prior year-end balance by the selected distribution-period factor. The percentage is the withdrawal share of that balance.
Enter Current age, RMD starting age and Account balance ($) and the remaining scenario settings to review rmd this year with this tool. The modeled distribution divides the prior year-end balance by the selected distribution-period factor.
Estimate a required minimum distribution by pairing the relevant account balance with an age-based table factor. Use the output as a calculation check before confirming the applicable rule.
The modeled distribution divides the prior year-end balance by the selected distribution-period factor. The percentage is the withdrawal share of that balance.
Prepare Current age, RMD starting age, Account balance ($), Expected return (%), Life expectancy (years) and Tax rate (%). Use the prior December 31 balance and the age applicable to the distribution year, then verify the table and account type with current IRS guidance.
The modeled distribution divides the prior year-end balance by the selected distribution-period factor. The percentage is the withdrawal share of that balance. Inherited accounts, spouse-beneficiary exceptions, account aggregation and changing legal requirements can need different treatment. A simple age lookup cannot determine every obligation.
Use the full settings in the worked-example table. They produce RMD This Year: $18868; Life expectancy factor: 26.5. Compare the method and units as well as the displayed number.
The displayed relationship is Result = Financial inputs processed using the applicable rate, payment, compounding or cash-flow relationship shown by this calculator. Use the prior December 31 balance and the age applicable to the distribution year, then verify the table and account type with current IRS guidance.
Inherited accounts, spouse-beneficiary exceptions, account aggregation and changing legal requirements can need different treatment. A simple age lookup cannot determine every obligation. For a transaction or account decision, compare the inputs with the applicable statement, contract or official rules.
Worked rmd calculator example. Set Current age = 73; RMD starting age = 73 (Born 1960+); Account balance ($) = 500000; Expected return (%) = 5; Life expectancy (years) = 20; Tax rate (%) = 22. The corresponding output is RMD This Year: $18868; Life expectancy factor: 26.5. The modeled distribution divides the prior year-end balance by the selected distribution-period factor.
Estimate a required minimum distribution by pairing the relevant account balance with an age-based table factor. Use the output as a calculation check before confirming the applicable rule.
Use the prior December 31 balance and the age applicable to the distribution year, then verify the table and account type with current IRS guidance.
| Field | Example value | Entry check |
|---|---|---|
| Current age | 73 | Check whether this amount is one-time, monthly or annual before entering it. |
| RMD starting age | 73 (Born 1960+) | Enter the value for this scenario using the field label as the reference. |
| Account balance ($) | 500000 | Use the amount for this scenario in the currency and period shown by the field. |
| Expected return (%) | 5 | Enter a percentage in the form requested by the field, keeping its stated time basis. |
| Life expectancy (years) | 20 | Use the period unit in the field label; months and years are not interchangeable. |
| Tax rate (%) | 22 | Enter a percentage in the form requested by the field, keeping its stated time basis. |
Relationship used for this example: Result = Financial inputs processed using the applicable rate, payment, compounding or cash-flow relationship shown by this calculator.
The modeled distribution divides the prior year-end balance by the selected distribution-period factor. The percentage is the withdrawal share of that balance.
| Output | Displayed result |
|---|---|
| RMD This Year | $18868 |
| Life expectancy factor | 26.5 |
With these settings, rmd this year is $18868. Use the same units and calculation mode when reproducing this example.
The modeled distribution divides the prior year-end balance by the selected distribution-period factor. The percentage is the withdrawal share of that balance. Inherited accounts, spouse-beneficiary exceptions, account aggregation and changing legal requirements can need different treatment. A simple age lookup cannot determine every obligation.
Replace the illustrative current age value (73) with your own value, then complete the other inputs for the same scenario. Use the prior December 31 balance and the age applicable to the distribution year, then verify the table and account type with current IRS guidance.