RMD Age 73 (2025) — When Do Required Minimum Distributions Start?
RMDs start at age 73 under SECURE 2.0. First RMD due by April 1 of the next year. Calculate yours from the real IRS table — in your browser.
When do RMDs start? Under the SECURE 2.0 Act, required minimum distributions begin at age 73 for anyone who reaches 72 after 2022 (rising to 75 in 2033). Your first RMD is due by April 1 of the year after you turn 73; later RMDs by December 31. Calculate your RMD from the real IRS table. 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. Roth IRAs have no RMD during the owner's lifetime. Runs entirely in your browser; no data sent to any server. Not tax or legal advice. It runs free in your browser on Gera Tools, with nothing uploaded.
Last updated · Source: Gera Tools
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".)
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Under the SECURE 2.0 Act of 2022, required minimum distributions now begin at age 73 (raised from 72) for anyone who reaches 72 after December 31, 2022. The starting age rises again to 75 starting in 2033.
Your first RMD — for the year you turn 73 — is due by April 1 of the following year (your “required beginning date”). Every RMD after that is due by December 31. Enter your balance and age below to see exactly how much you must withdraw.
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.