Financial Calculators
RMD Calculator
Calculate your Required Minimum Distribution (RMD) from retirement accounts using the IRS Uniform Lifetime Table locally in your browser.
Find your required minimum distribution before the deadline.
Enter your retirement account balance at year-end, your age for the distribution year, and the calculation year. The calculator uses the IRS Uniform Lifetime Table (2022+) to determine your distribution period and RMD amount. This private browser estimate is for general planning only and does not cover inherited accounts, Roth IRAs during the owner's lifetime, or qualified charitable distributions; it is not financial or tax advice. Your values are not uploaded or stored.
Frequently Asked Questions
Everything you need to know about this tool, how it works, and privacy.
What is an RMD?
A Required Minimum Distribution is the minimum amount you must withdraw from most tax-deferred retirement accounts each year after you reach RMD age. The IRS requires RMDs from traditional IRAs, 401(k)s, 403(b)s, and similar plans. Roth IRAs do not have RMDs during the owner's lifetime. The penalty for missing an RMD is 25% of the shortfall (or 10% if corrected timely).
At what age do RMDs start?
Under current law (SECURE 2.0 Act), RMDs begin at age 73 for those who turn 73 in 2023 or later, and at age 75 starting in 2033. For those who turned 72 before 2023, the age was 72. This calculator uses the Uniform Lifetime Table for ages 72 through 120+.
How is the RMD calculated?
RMD = Account balance (December 31 of the prior year) ÷ Distribution period from the IRS Uniform Lifetime Table. The distribution period is based on your age in the distribution year. For example, at age 75 the distribution period is 24.7, so a $500,000 balance gives an RMD of $20,242.91.
Does this cover inherited or Roth accounts?
No. This calculator uses the Uniform Lifetime Table for account owners. Inherited accounts use different tables (Single Life Expectancy or 10-year rule). Roth IRAs have no RMDs during the owner's lifetime. Consult a tax professional for inherited or Roth account distributions.
Are my values private?
Yes. The calculation and copy action run locally in your browser. CodeASystem does not upload or store the values you enter. This is a general planning estimate, not financial or tax advice.