RMD Calculator — Calculate Your Required IRA Withdrawals
Calculate your Required Minimum Distributions from traditional IRA and 401k accounts. See how much you must withdraw each year after age 73.
Required Minimum Distributions are mandatory annual withdrawals from tax-deferred retirement accounts starting at age 73 (increased from 72 by SECURE 2.0 Act). The IRS calculates your RMD by dividing your account balance by a life expectancy factor from their Uniform Lifetime Table. Failing to take your full RMD results in a 25% excise tax on the amount not withdrawn reduced from the previous 50% penalty.
Calculate Now
Key Information
| Parameter | Details |
|---|---|
| RMD Starting Age | 73 (SECURE 2.0 Act) |
| Penalty for Missing RMD | 25% of amount not withdrawn |
| First RMD Deadline | April 1 of year after turning 73 |
| Life Expectancy Factor (age 73) | 26.5 years |
Frequently Asked Questions
How much is my RMD at age 73?
Your RMD equals your account balance as of December 31 of the prior year divided by the IRS life expectancy factor. At age 73 the factor is 26.5. With a $500000 IRA balance: RMD = $500000 / 26.5 = $18868. This increases each year as the life expectancy factor decreases. At age 80 the factor drops to 20.2 making the RMD approximately $24752 on the same balance.
Can I withdraw more than my RMD?
Yes you can always withdraw more than the minimum. The RMD is only the required minimum. However all withdrawals from traditional IRAs and 401ks are taxed as ordinary income. Some retirees strategically withdraw more than the RMD in lower-income years to reduce future RMDs and manage their tax bracket over retirement.
How do Roth accounts handle RMDs?
Roth IRAs have no RMDs during the owner lifetime making them excellent for estate planning and tax-free growth. Roth 401ks previously required RMDs but the SECURE 2.0 Act eliminated this requirement starting in 2024. Converting traditional IRA funds to Roth before age 73 can eliminate future RMDs though you pay income tax on the conversion amount.
Related Calculators
Last updated: March 2026