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Required Minimum Distribution Calculator

Computes the IRS-required annual withdrawal from your IRA or 401(k) once you reach age 73. Use it each year to avoid the 25% excise tax penalty for missing your RMD deadline.

Retirement Account Balance (Dec 31) ($)

Current Age (years)

Spouse Age (if applicable) (years)

Marital Status

Fill in the required fields to see your result.

Retirement

Required Minimum Distribution (RMD) Calculator

Calculate the IRS-mandated minimum amount you must withdraw from your 401(k) or IRA each year once you reach age 73. Use this each December to avoid the steep 25% IRS penalty for under-withdrawing.

Account Balance (Dec 31) ($)

Life Expectancy Factor (years)

Fill in the required fields to see your result.

Key differences

	Required Minimum Distribution Calculator	Required Minimum Distribution (RMD) Calculator
Category	Retirement	Retirement
Inputs required	4	2
Result	Required Minimum Distribution ($)	Required Minimum Distribution ($)
What it does	Computes the IRS-required annual withdrawal from your IRA or 401(k) once you reach age 73. Use it each year to avoid the 25% excise tax penalty for missing your RMD deadline.	Calculate the IRS-mandated minimum amount you must withdraw from your 401(k) or IRA each year once you reach age 73. Use this each December to avoid the steep 25% IRS penalty for under-withdrawing.