Required Minimum Distribution Calculator
Estimate an annual required minimum distribution by dividing the prior year-end balance by an IRS distribution factor you enter from the applicable table.
- Formula
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- Data
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Written by the ToolGrym Editorial Team
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Estimated annual RMD
$18,867.92
Balance ÷ 26.5 distribution period
- Secondary result
- $4,528
Planning context
$481,132
Use official rules and your documents to confirm
Educational planning math only. Rules, eligibility, tax treatment, benefit formulas, and lender or agency calculations can differ from this simplified estimate.
Read how RMDs work and confirm the factor before taking a distribution.
Frequently asked questions
- Which factor should I use?
- Use the current IRS Uniform Lifetime Table or the table that applies to your spouse or beneficiary situation.
- Does every retirement account have an RMD?
- Rules differ by account type and beneficiary. Roth IRAs generally have no lifetime RMD for the original owner, while beneficiaries have separate rules.
- Are RMDs taxable?
- They are generally included in taxable income except for basis or qualified tax-free amounts.
- Does this determine my required beginning date?
- No. Confirm the statutory age, plan rules, employment status, and account type with the IRS or plan administrator.
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