RMD Calculator (Required Minimum Distribution)

Once you reach RMD age, the IRS requires a minimum yearly withdrawal from traditional retirement accounts. Estimate yours.

Your details

Account balance (Dec 31)$Prior year-end balance of your traditional IRA or 401(k).Distribution periodIRS Uniform Lifetime Table factor for your age (27.4 at 73).

Required distribution

$18,248.18

Monthly: $1,520.68

Required distribution$18,248.18

Formula

RMD = prior year-end account balance ÷ the IRS Uniform Lifetime Table distribution period for your age.

Sources & methodology

Uses the Uniform Lifetime Table factor you enter; special rules apply for sole spouse beneficiaries more than 10 years younger.

•IRS — required minimum distributions — IRS

Last updated: 2026-07-20

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The 4% Rule ExplainedThe most cited rule of thumb in early retirement — where it comes from, what it assumes, and its limits.Required Minimum Distributions (RMDs) ExplainedTax-deferred accounts don't stay tax-deferred forever. Starting at age 73 the IRS requires you to withdraw a minimum each year — and the penalty for missing it is steep.

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