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Finance Calc Kit
Retirement

RMD Calculator

Calculate your IRS Required Minimum Distribution (RMD) and project your future retirement account balances and withdrawals.

Account details

$
%

Your age in 2024

73 years old

RMD starting age under SECURE Act 2.0: 73

Life expectancy factor

26.5

IRS Uniform Lifetime Table (Table III) or joint life table (Table II)

Required minimum distribution (RMD)

$11,320.75

$300,000.00 ÷ 26.5

RMD projections

Account balance, withdrawals, and growth at 5% return

Age (Year)Start balanceRMDGrowthEnd balance
73 (2024)$300,000.00$11,320.75$14,433.96$303,113.21
74 (2025)$303,113.21$11,886.79$14,561.32$305,787.74
75 (2026)$305,787.74$12,430.40$14,667.87$308,025.21
76 (2027)$308,025.21$12,996.84$14,751.42$309,779.78
77 (2028)$309,779.78$13,527.50$14,812.61$311,064.89
78 (2029)$311,064.89$14,139.31$14,846.28$311,771.86
79 (2030)$311,771.86$14,775.92$14,849.80$311,845.74
80 (2031)$311,845.74$15,437.91$14,820.39$311,228.22
81 (2032)$311,228.22$16,042.69$14,759.28$309,944.81
82 (2033)$309,944.81$16,753.77$14,659.55$307,850.59
83 (2034)$307,850.59$17,392.69$14,522.89$304,980.79
84 (2035)$304,980.79$18,153.62$14,341.36$301,168.53
85 (2036)$301,168.53$18,823.03$14,117.27$296,462.77
86 (2037)$296,462.77$19,504.13$13,847.93$290,806.58
87 (2038)$290,806.58$20,194.90$13,530.58$284,142.26
88 (2039)$284,142.26$20,740.31$13,170.10$276,572.05
89 (2040)$276,572.05$21,439.69$12,756.62$267,888.97
90 (2041)$267,888.97$21,958.11$12,296.54$258,227.40
91 (2042)$258,227.40$22,454.56$11,788.64$247,561.49
92 (2043)$247,561.49$22,922.36$11,231.96$235,871.08
93 (2044)$235,871.08$23,353.57$10,625.88$223,143.39
94 (2045)$223,143.39$23,488.78$9,982.73$209,637.34
95 (2046)$209,637.34$23,554.76$9,304.13$195,386.71
96 (2047)$195,386.71$23,260.32$8,606.32$180,732.71
97 (2048)$180,732.71$23,170.86$7,878.09$165,439.94
98 (2049)$165,439.94$22,663.01$7,138.85$149,915.78
99 (2050)$149,915.78$22,046.44$6,393.47$134,262.81
100 (2051)$134,262.81$20,978.56$5,664.21$118,948.46
101 (2052)$118,948.46$19,824.74$4,956.19$104,079.90
102 (2053)$104,079.90$18,585.70$4,274.71$89,768.91
103 (2054)$89,768.91$17,263.25$3,625.28$76,130.94
104 (2055)$76,130.94$15,536.93$3,029.70$63,623.72
105 (2056)$63,623.72$13,831.24$2,489.62$52,282.10
106 (2057)$52,282.10$12,158.63$2,006.17$42,129.64
107 (2058)$42,129.64$10,275.52$1,592.71$33,446.83
108 (2059)$33,446.83$8,576.11$1,243.54$26,114.25
109 (2060)$26,114.25$7,057.91$952.82$20,009.16
110 (2061)$20,009.16$5,716.90$714.61$15,006.87
111 (2062)$15,006.87$4,413.79$529.65$11,122.74
112 (2063)$11,122.74$3,370.53$387.61$8,139.82
Life expectancy factors follow IRS Publication 590-B Uniform Lifetime Table (Table III) and joint life expectancy table (Table II) for the 2025 tax year. RMD starting ages reflect SECURE Act 2.0 (age 72 for birth year 1950 or earlier, age 73 for 1951 through 1959, age 75 for 1960 and later). Consult a tax professional for account-specific rules.
Report tool

Required minimum distributions (RMDs) from retirement accounts

The IRS requires owners of tax-deferred retirement accounts such as traditional IRAs and employer-sponsored 401(k) plans to withdraw a minimum amount each year after reaching a specified starting age. The withdrawal is calculated by dividing the prior-year-end account balance by a life expectancy factor from IRS Publication 590-B.

This calculator uses the Uniform Lifetime Table (Table III) for most account owners and the joint life expectancy table (Table II) when a spouse is the sole beneficiary and more than 10 years younger. Life expectancy factors reflect the 2025 IRS tables. For retirement income planning beyond mandatory withdrawals, explore the 401(k) calculator.

RMD calculation formula

RMD=Prior Year-End Account BalanceLife Expectancy Factor\mathrm{RMD} = \frac{\text{Prior Year-End Account Balance}}{\text{Life Expectancy Factor}}

The life expectancy factor comes from IRS Table III (Uniform Lifetime) for most taxpayers. When your spouse is the sole primary beneficiary and more than 10 years younger, Table II joint life expectancy may produce a smaller divisor and therefore a smaller RMD.

SECURE Act 2.0 starting ages

  • Born 1950 or earlier: RMDs begin at age 72
  • Born 1951 through 1959: RMDs begin at age 73
  • Born 1960 or later: RMDs begin at age 75

Worked example

An account owner born in 1951 turns 73 in 2024. The account balance on December 31, 2023 was $300,000. Under SECURE Act 2.0, RMDs start at age 73. The Table III factor for age 73 is 26.5. RMD = $300,000 ÷ 26.5 ≈ $11,320.75.

Frequently asked questions

Which IRS table does this calculator use?
Life expectancy factors follow IRS Publication 590-B Table III (Uniform Lifetime) and Table II (joint life) for the 2025 tax year. The IRS updates these tables periodically; verify current factors before filing.
How do SECURE Act 2.0 ages affect my RMD?
SECURE Act 2.0 raised the starting age in steps. Taxpayers born in 1951 through 1959 begin RMDs at 73 instead of 72. Those born in 1960 or later begin at 75. Your birth year determines the first distribution year.
When is the RMD deadline?
Your first RMD may be delayed until April 1 of the year after you reach the starting age. All subsequent RMDs are generally due by December 31 of each calendar year. Missing an RMD can trigger a substantial IRS penalty.
Does Roth IRA require RMDs during the owner lifetime?
Roth IRAs have no RMDs for the original account owner during their lifetime. Inherited Roth accounts and most traditional IRAs do require distributions under separate inherited IRA rules.
What balance is used for the RMD calculation?
The divisor applies to the account balance as of December 31 of the year before the distribution year. Employer plans may allow aggregation rules; consult your plan administrator or tax advisor.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.