KLOORARMD Calculator
Estimate your required minimum distribution from a retirement account using the IRS Uniform Lifetime Table.
How to use RMD Calculator
- Enter your values in the fields.
- The results update instantly as you type.
- Note or copy the numbers you need.
Features
- Instant results
- Free, no signup
- Runs in your browser, nothing is uploaded
- Works on phone and desktop
How it works
RMD = account balance on December 31 of last year divided by the distribution period for your age in the IRS Uniform Lifetime Table.
Worked example
A 500,000 balance at age 75 uses a factor of 24.6, so the RMD is about 20,325.
Good to know
These are estimates for planning, not tax advice. Rates and limits change every year, so confirm the latest figures at irs.gov or with a tax professional.
Frequently asked questions
At what age do RMDs start?
Age 73 for most people today, and age 75 for those born in 1960 or later.
How is it calculated?
The previous December 31 balance divided by the IRS life expectancy factor for your age.
What if I miss it?
The IRS charges an excise tax on the missed amount, so take it on time.
Is the RMD Calculator free?
Yes. It is free, needs no signup and works on any device.