RMD Calculator

Calculate owner-account RMDs and project future distributions using IRS life expectancy factors.

Calculate RMD from a prior year-end balance and applicable IRS life expectancy factor.

Result

Age in distribution year75

Distribution period24.6000

Annual RMD$20,325.20

Uses IRS Publication 590-B Table III (2025 accessible edition), effective for distribution years 2022 onward. Earlier years require historical tables and relief rules and are unsupported. Owner accounts only; employer-plan deferral and inherited-account exceptions are not modeled.

Calculation details

Scroll horizontally or vertically to see more. Download CSV for the complete schedule.

Year	Age	Prior year-end balance	Distribution period	RMD
2,026	75	500,000	24.60	20,325.20
2,027	76	504,674.80	23.70	21,294.30
2,028	77	508,614.24	22.90	22,210.23
2,029	78	511,834.72	22	23,265.21
2,030	79	514,161.25	21.10	24,367.83
2,031	80	515,501.48	20.20	25,519.88
2,032	81	515,756.68	19.40	26,585.40
2,033	82	514,959.11	18.50	27,835.63
2,034	83	512,871.44	17.70	28,975.79
2,035	84	509,539.23	16.80	30,329.72

How to use this calculator

Calculate RMD from a prior year-end balance and applicable IRS life expectancy factor. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.

Calculation formula

RMD = previous year-end balance / applicable IRS distribution period.

Assumptions and accuracy

Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.

Year-specific parameters are documented in the calculation notes. Rule eligibility and individual circumstances can change the result.

Choose what to calculate

Required minimum distribution calculator by age

Estimate an owner-account RMD from the prior year-end balance and applicable IRS life-expectancy table. Inherited-account and still-working exceptions are not covered.

Open this calculation

Understanding this calculation

This owner-account RMD estimate divides the prior year-end balance by the applicable life-expectancy divisor. Verify the account type, distribution year and selected table before using the amount.

Reading your result

Age in distribution year: Age reached during the selected distribution year, calculated from the entered birth year.
Distribution period: The divisor from the modeled IRS table, not the number of years the account is guaranteed to last.
Annual RMD: The calculated annual distribution requirement under the selected table and entered account balance.

Compare two scenarios

Use the same account balance to compare the applicable divisors for adjacent distribution years.
Keep the distribution year fixed when checking whether the spouse-related table selection changes the divisor.

Check before comparing

Use the required prior December 31 balance rather than substituting today’s balance.
Inherited accounts and some still-working exceptions are outside this owner-account model.
A displayed annual RMD does not determine its income-tax treatment or payment deadline.

Result explanations checked 2026-10-21 against this calculator’s local model. Model scope and sources appear below.

Worked examples

Uniform Lifetime Table example at age 75

Born 1951; distribution year 2026; prior December 31 balance $500,000; Uniform Lifetime Table.

Age in the distribution year = 2026 − 1951 = 75.
Uniform Lifetime Table divisor at age 75 = 24.6.
RMD = 500000 ÷ 24.6.

The annual RMD is $20,325.20 under this table selection.

Try these inputs

Common questions

Does the current year’s return change this year’s RMD?

The selected year’s owner-account RMD uses the prior year-end balance. The return assumption affects projected future balances under this model’s year-end withdrawal timing.

Why are years before 2022 rejected?

The implemented IRS life-expectancy factors became effective in 2022. Earlier distribution years need historical tables and potentially relief rules.

Scope and assumptions

This implementation supports owner accounts and current life-expectancy tables for distribution years 2022 onward. Inherited-account rules, employer still-working exceptions and all deadline choices are not modeled. The joint table requires a qualifying sole-beneficiary spouse more than ten years younger.

Sources

IRS Publication 590-B: distribution tables and owner-account rules

Calculation notes checked October 19, 2026. Examples are mathematical checks under the stated assumptions.

Calculation methods and formulas

Required Minimum Distribution