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Required Minimum Distribution (RMD) Calculator

Calculate required minimum distribution amount from retirement account balance and age.

Last reviewed: August 26, 2026
Cost: Free to use
Data: Runs in your browser
Reviewed by: Anton Jonson

Prior Year Dec 31 Balance

Current Age

Account Type

Traditional IRA RMD

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Monthly Equivalent

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Life-Expectancy Factor

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RMD % of Balance

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Methodology

How this calculator handles inputs

This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.

Use consistent periods, currencies, and units across inputs.
Review any assumptions before using the result in a decision.
Recalculate when rates, prices, tax rules, or business terms change.

Important note

This tool provides general planning information only. It is not tax, legal, financial, accounting, or investment advice. Check the current rules for your location and speak with a qualified professional before making a high-stakes decision.

Guide

How it works

Use this calculator to estimate required minimum distribution from tax-deferred retirement accounts.

What this calculator does

The RMD calculator estimates the annual required minimum distribution based on prior year-end account balance and current age. It uses the Uniform Lifetime Table divisor embedded in the calculator.

It uses:

prior year-end account balance
current age
retirement account type
IRS life-expectancy divisor

RMD Formula

RMD = Prior Year-End Balance ÷ IRS Divisor

Where:

RMD = required minimum distribution
Balance = account balance on Dec 31 of prior year
Divisor = IRS life-expectancy factor
RMD % = RMD divided by balance

Example calculation

If:

Balance = 800,000
Age = 73
Divisor = 26.5
RMD = 800,000 ÷ 26.5

Then:

RMD = 30,189
Monthly equivalent = 2,516
RMD percentage = 3.77%
The account must distribute at least that amount

The estimated RMD is 30,189.

What is RMD?

RMD means required minimum distribution. It is the minimum amount that generally must be withdrawn each year from certain tax-deferred retirement accounts after the required starting age.