Includes your inputs and results for this calculation, plus any additional calculations you've compared.
Share & Print
The link includes your inputs and results, so anyone who opens it sees this exact calculation.
Good to Know
The age at which RMDs must begin has changed recently under the SECURE 2.0 Act — 73 for most people currently, rising to 75 for those born in 1960 or later. This calculator uses the published IRS Uniform Lifetime Table and assumes a spouse is not the sole beneficiary and is not more than 10 years younger; those situations use a different IRS table. Verify your specific RMD age and table against current IRS guidance or a tax professional.
Disclaimer
This calculator provides estimates for informational purposes only and does not constitute financial, medical, legal, or tax advice. Always consult a qualified professional about your specific situation.
How This Calculator Works
Your Required Minimum Distribution (RMD) is the smallest amount the IRS requires you to
withdraw each year from a tax-deferred retirement account once you reach the required age.
Enter your age and your account balance as of December 31 of the prior year, and this calculator
finds the required amount.
Accounts like Traditional IRAs and 401(k)s let contributions grow tax-deferred for decades, but
that deferral isn’t indefinite — the IRS eventually requires withdrawals so it can collect tax on
the money. The required amount is deliberately tied to your remaining life expectancy: younger
retirees withdraw a smaller fraction of their balance each year, while the required fraction
grows as you get older.
The Formula
RMD=IRS distribution period for your ageAccount balance (Dec 31 of prior year)
The distribution period comes from the IRS Uniform Lifetime Table — a fixed reference table, not
a calculation. A smaller distribution period (used at older ages) produces a larger required
withdrawal for the same account balance.
Worked Example
A $500,000 account balance at age 75:
The IRS distribution period for age 75 is 24.6.
RMD: $500,000 ÷ 24.6 ≈ $20,325.
At age 72, the same $500,000 balance would only require withdrawing about $18,248 (distribution
period 27.4) — the required fraction grows every year as the distribution period shrinks.
Cómo funciona esta calculadora
Tu Distribución Mínima Requerida (RMD) es el monto mínimo que el IRS te exige retirar cada año
de una cuenta de retiro con impuestos diferidos, una vez que alcanzas la edad requerida. Ingresa
tu edad y el saldo de tu cuenta al 31 de diciembre del año anterior, y esta calculadora encuentra
el monto requerido.
Cuentas como las IRA Tradicionales y los 401(k) permiten que las contribuciones crezcan con
impuestos diferidos durante décadas, pero ese diferimiento no es indefinido — eventualmente el IRS
exige retiros para poder cobrar impuestos sobre el dinero. El monto requerido está deliberadamente
ligado a tu esperanza de vida restante: los jubilados más jóvenes retiran una fracción menor de su
saldo cada año, mientras que la fracción requerida crece a medida que envejeces.
La fórmula
RMD=Perıˊodo de distribucioˊn del IRS para tu edadSaldo de la cuenta (31 de dic. del an˜o anterior)
El período de distribución proviene de la Tabla de Vida Uniforme del IRS — una tabla de
referencia fija, no un cálculo. Un período de distribución menor (usado a edades más avanzadas)
produce un retiro requerido mayor para el mismo saldo de cuenta.
Ejemplo resuelto
Un saldo de cuenta de $500,000 a los 75 años:
El período de distribución del IRS para los 75 años es 24.6.
RMD: $500,000 ÷ 24.6 ≈ $20,325.
A los 72 años, el mismo saldo de $500,000 solo requeriría retirar aproximadamente $18,248
(período de distribución 27.4) — la fracción requerida crece cada año a medida que el período de
distribución se reduce.
The IRS can impose an excise tax penalty on the amount you should have withdrawn but did not — historically as high as 50%, reduced to 25% (or 10% if corrected promptly) under the SECURE 2.0 Act. This is exactly why RMDs are treated as a mandatory deadline, not a suggestion.
Do Roth IRAs have RMDs?
No — Roth IRAs are exempt from RMDs during the original owner's lifetime, since the IRS has already collected its tax upfront on Roth contributions. This is one more factor to weigh in the Roth vs. Traditional decision alongside tax rates.
Which account balance do I use?
The account's value as of December 31 of the PRIOR year, not today's balance — this is what the IRS Uniform Lifetime Table calculation is based on. If you have multiple Traditional IRAs, you generally calculate each one's RMD separately but can withdraw the combined total from any one or a combination of them.
We use cookies for analytics and ads to help support this free site. You can accept all, or decline and we'll only use what's needed for the site to work.