US Required Minimum Distribution (RMD) Calculator

Calculate annual RMD from traditional IRAs, 401ks, and inherited IRAs. SECURE 2.0 raised RMD age to 73 (2023), 75 (2033). RMD = account balance divided by IRS Uniform Lifetime Table life expectancy factor.

Principal ($)
Annual Rate (%)
Years
Compounding / Year
$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.
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How It Works

Calculate annual RMD from traditional IRAs, 401ks, and inherited IRAs. SECURE 2.0 raised RMD age to 73 (2023), 75 (2033). RMD = account balance divided by IRS Uniform Lifetime Table life expectancy factor

Each component has a specific meaning:

  • Traditional IRAs — The traditional iras recorded for the scenario being assessed.
  • 401ks — The 401ks recorded for the scenario being assessed.
  • Inherited IRAs — The inherited iras recorded for the scenario being assessed.

Note: Interpret the rmd calculator result against the thresholds and context described above.

How to Use

Enter the traditional IRAs, 401ks, inherited IRAs for the scenario you are assessing. Calculate annual RMD from traditional IRAs, 401ks, and inherited IRAs. SECURE 2.0 raised RMD age to 73 (2023), 75 (2033). RMD = account balance divided by IRS Uniform Lifetime Table life expectancy factor. Use the rmd calculator result to inform your calculation.

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Frequently Asked Questions