RMD Calculator
RMD Calculator
Enter your traditional retirement account balance as of December 31 of last year, and your age this year, to find this year's Required Minimum Distribution.
Required Minimum Distribution:
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Note
RMDs generally aren't required until age 73 (rising to 75 in 2033 for those born in 1960 or later) under the SECURE 2.0 Act. This calculator uses the IRS Uniform Lifetime Table (Table III of Publication 590-B) — confirm against the current-year table before relying on the result, and use the Joint Life Expectancy Table instead if your spouse is your sole beneficiary and more than 10 years younger.
IRS Uniform Lifetime Table
| Age | Divisor |
|---|---|
| 72 | 27.4 |
| 73 | 26.5 |
| 74 | 25.5 |
| 75 | 24.6 |
| 76 | 23.7 |
| 77 | 22.9 |
| 78 | 22 |
| 79 | 21.1 |
| 80 | 20.2 |
| 81 | 19.4 |
| 82 | 18.5 |
| 83 | 17.7 |
| 84 | 16.8 |
| 85 | 16 |
| 86 | 15.2 |
| 87 | 14.4 |
| 88 | 13.7 |
| 89 | 12.9 |
| 90 | 12.2 |
| 91 | 11.5 |
| 92 | 10.8 |
| 93 | 10.1 |
| 94 | 9.5 |
| 95 | 8.9 |
| 96 | 8.4 |
| 97 | 7.8 |
| 98 | 7.3 |
| 99 | 6.8 |
| 100 | 6.4 |
| 101 | 6 |
| 102 | 5.6 |
| 103 | 5.2 |
| 104 | 4.9 |
| 105 | 4.6 |
| 106 | 4.3 |
| 107 | 4.1 |
| 108 | 3.9 |
| 109 | 3.7 |
| 110 | 3.5 |
| 111 | 3.4 |
| 112 | 3.3 |
| 113 | 3.1 |
| 114 | 3 |
| 115 | 2.9 |
| 116 | 2.8 |
| 117 | 2.7 |
| 118 | 2.5 |
| 119 | 2.3 |
| 120 | 2 |
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