RMDCalc: RMD Calculator

Plan required minimum distributions from tax-deferred retirement accounts such as IRAs and 401(k)s. Enter your age, account balance, and expected growth to see what you must withdraw and when. • Find your first RMD age from your birth year under SECURE 2.0 rules (72, 73, or 75) • Get this year's RMD from the IRS Uniform Lifetime Table, with divisor and withdrawal rate • Not there yet? See the years left and a projected first RMD based on growth • Preview next year's RMD and the projected year-end balance • See a year-by-year plan to age 100 with balance and withdrawal charts • Use the joint-life table when your spouse is your sole beneficiary and more than 10 years younger • Add up to five more accounts and see each one's share of the RMD • Estimate tax from your marginal rate and see what a charitable distribution (QCD) saves • Plan inherited IRA withdrawals under the 10-year rule or life-expectancy rules • Start from quick scenarios such as first RMD year or a large IRA • Save named scenarios with notes and reload them later Results are planning estimates, not tax advice. Official sources: • IRS Publication 590-B, Distributions from IRAs (Uniform Lifetime Table): https://www.irs.gov/publications/p590b • IRS Notice 2025-67, 2026 cost-of-living adjustments: https://www.irs.gov/pub/irs-drop/n-25-67.pdf Not affiliated with or endorsed by any government agency.