Estimate required minimum distributions from a retirement account under current federal tax law.
RMD = prior-year balance ÷ a life-expectancy factor. This uses an approximate factor; the IRS publishes the Uniform Lifetime Table, and your start age depends on your birth year (this tool uses 73).
RMD
RMD = balance ÷ factor
Approximate — use the official IRS table.
For most people born after 1960 it is age 73, rising to 75 for later cohorts.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.