Estimate the required minimum distribution from a retirement account.
The IRS requires withdrawing a minimum from retirement accounts after a certain age. The account balance is divided by a life-expectancy factor that shrinks as you age, so the required amount rises over time. Missing an RMD triggers steep penalties, so estimating the required amount helps avoid a costly compliance mistake.
Required Minimum Distribution
RMD = account balance / life-expectancy factor
RMD = account balance / life-expectancy factor The IRS requires withdrawing a minimum from retirement accounts after a certain age. The account balance is divided by a life-expectancy factor that shrinks as you age, so the required amount rises over time.
Missing an RMD triggers steep penalties, so estimating the required amount helps avoid a costly compliance mistake.
This calculator takes 2 inputs: Account balance, Age. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.