How is an RMD calculated?

Take your account balance on December 31 of the prior year and divide it by the distribution period (divisor) for your age in the IRS Uniform Lifetime Table. For example, a $500,000 balance at age 73 (divisor 26.5) gives an RMD of $18,867.92; the same balance at age 80 (divisor 20.2) gives $24,752.48. (Source: IRS Publication 590-B (2025), Table III.)

Do Roth accounts have RMDs?

A Roth IRA has no required minimum distribution during the original owner's lifetime. Starting in 2024, designated Roth accounts in 401(k) and 403(b) plans also no longer have lifetime RMDs (SECURE 2.0). RMDs still apply to traditional IRAs and pre-tax 401(k)/403(b) balances. (Source: IRS Publication 590-B; SECURE 2.0 Act of 2022.)

Can I combine IRA RMDs across accounts?

Yes. You compute the RMD for each traditional IRA separately, then you may take the total combined RMD from any one (or any combination) of your traditional IRAs. This aggregation rule does not apply to 401(k)s. (Source: IRS Publication 590-B; IRS Retirement Topics — RMDs.)

When do required minimum distributions start?

Under the SECURE 2.0 Act of 2022, RMDs start at age 73 for anyone who reaches 72 after December 31, 2022. Your first RMD is due by April 1 of the year after you turn 73; every RMD after that is due by December 31. The starting age rises to 75 beginning in 2033. (Source: IRS Publication 590-B (2025), "Age 73 for tax years 2023 and later".)

Is my data sent anywhere when I use this calculator?

No. All calculations run entirely in your browser using JavaScript. No balances, ages, or other inputs are ever transmitted to any server.

IRA RMD Calculator 2025 — Required Minimum Distribution

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For a traditional IRA, your required minimum distribution for the year is your balance on December 31 of the prior year, divided by the IRS Uniform Lifetime Table divisor for your age. RMDs start at age 73. A Roth IRA has no RMD during the original owner’s lifetime.

Enter your prior-year-end IRA balance and your age to get your exact RMD. (You may total your traditional IRAs and take the combined RMD from any one of them.)

Important: This computes the owner’s lifetime RMD using the IRS Uniform Lifetime Table (Table III). A different table applies if your sole beneficiary is a spouse more than 10 years younger (Joint Life Table II) or for an inherited IRA (Single Life Table I) — those are not computed here. Roth IRAs have no RMD during the owner’s lifetime. Source: IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime); required beginning date per IRS Pub. 590-B “Age 73 for tax years 2023 and later” (SECURE 2.0 Act of 2022); figures for the 2025 tax year, table verified 2026-06-18. Confirm the current table at irs.gov. This is not tax or legal advice.