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Retirement

RMD Calculator — Required Minimum Distribution

Calculate your annual RMD amount from a traditional IRA or 401k using IRS Uniform Lifetime Tables.

Updated June 2026 · Editorial standards

Your details

$
%
%
RMD this year
$18,868
After-tax RMD
$14,717
Tax on RMD
$4,151
Distribution factor
26.5

At age 73 with a $500,000 balance, your IRS required distribution is $18,868 this year — 3.8% of your account.

20-year RMD projection

First year RMD — after-tax split

10-year projection

AgeBalanceRMDAfter-Tax RMDFactor
73$500,000$18,868$14,71726.5
74$511,132$20,044$15,63525.5
75$521,756$21,210$16,54324.6
76$531,851$22,441$17,50423.7
77$541,321$23,638$18,43822.9
78$550,162$25,007$19,50622
79$558,165$26,453$20,63421.1
80$565,201$27,980$21,82520.2
81$571,133$29,440$22,96319.4
82$575,961$31,133$24,28418.5
By the KalkWise Editorial Team Reviewed for accuracy Updated June 2026

What is the required minimum distribution (rmd) calculator?

In short

Your RMD is calculated by dividing your prior year-end account balance by the IRS Uniform Lifetime Table factor for your age. For example, at age 73 the factor is 26.5, so a $500,000 balance requires a $18,868 RMD.

This calculator computes your annual Required Minimum Distribution from a traditional IRA, 401k, or other tax-deferred retirement account using the IRS Uniform Lifetime Table. It projects future RMDs as your account grows or declines, and shows the tax impact.

How to use this calculator

  1. 1Enter your current age (RMDs start at age 73 under SECURE Act 2.0).
  2. 2Enter your account balance as of December 31 of the prior year.
  3. 3Enter your expected annual return to project future account balance.
  4. 4Enter your marginal tax rate to see the after-tax amount you keep.
  5. 5View your RMD for the current year and a 10-year projection.

The formula

RMD=Dec 31 balanceIRS life expectancy factor
Each year's RMD equals your prior December 31 balance divided by your age's factor from the IRS Uniform Lifetime Table. The factor decreases each year, so RMDs grow as a percentage of the account even if the balance falls.
RMD
— Required Minimum Distribution — amount you must withdraw
Balance
— Account balance on December 31 of the prior year
Factor
— IRS Uniform Lifetime Table life expectancy factor for your age

Worked example

The scenario

gives

The result

Common use cases

  • Planning annual RMD withdrawals from traditional IRA or 401k
  • Estimating tax liability from mandatory distributions
  • Deciding whether to do Roth conversions before age 73 to reduce future RMDs
  • Projecting how long a retirement account lasts given mandatory withdrawals

Limitations & assumptions

  • Uses Uniform Lifetime Table — a different table applies if your sole beneficiary is a spouse more than 10 years younger
  • Does not handle multiple accounts (each IRA is calculated separately; 401k RMDs cannot be aggregated)
  • SECURE Act 2.0 changes (RMD age now 73, rising to 75 in 2033) are reflected; always verify current IRS rules
  • Inherited IRAs have different rules not covered by this calculator

Frequently asked questions

Under the SECURE Act 2.0, the RMD starting age is 73 for anyone who turned 72 after December 31, 2022. It rises to 75 for those who turn 74 after December 31, 2032. If you turned 72 before 2023, your RMDs already started at 72.

Disclaimer: KalkWise calculators are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the figures you enter and the assumptions described above. Actual outcomes will vary. Consult a qualified professional before making financial decisions.