How is the RMD amount calculated?

Your RMD equals your prior year-end account balance divided by the life-expectancy factor for your age from the IRS Uniform Lifetime Table. For example, a 75-year-old with a $500,000 balance divides by the factor 24.6, giving an RMD of about $20,325.

At what age do RMDs start?

Under SECURE 2.0, required minimum distributions begin in the year you turn 73. If you are younger than 73 this tool shows no RMD is required yet, though you may still withdraw voluntarily.

What factor does a 75-year-old use?

A 75-year-old uses a distribution period of 24.6 from the IRS Uniform Lifetime Table. Each year older the factor shrinks: 23.7 at 76, 22.9 at 77, and so on, so the required percentage of the balance rises with age.

What if I am older than 95?

This calculator caps the lookup at age 95, which uses a factor of 8.9 (about 11.2% of the balance). For exact factors past 95 you should consult the full IRS Uniform Lifetime Table in Publication 590-B.

RMD Calculator — Gera Tools

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A Required Minimum Distribution (RMD) is the smallest amount the IRS requires you to withdraw each year from a traditional IRA or 401(k) once you reach age 73. This calculator divides your prior year-end balance by the life-expectancy factor for your age and shows the dollar amount and the share of the account it represents.

How it works

The IRS Uniform Lifetime Table assigns each age a distribution period, also called a life-expectancy factor. Your RMD is simply your balance divided by that factor:

RMD = prior year-end balance / distribution period

The factor shrinks as you age, so the required share of the account grows over time. At 73 the factor is 26.5; at 75 it is 24.6; at 85 it is 16.0; at 95 it is 8.9. RMDs begin in the year you turn 73 under SECURE 2.0, so ages below 73 show no required distribution.

Example

A 75-year-old whose traditional IRA was worth 500,000 dollars on December 31 of the prior year uses the factor 24.6. The RMD is:

500,000 / 24.6 = 20,325 (about 4.07% of the balance)

So this retiree must withdraw at least about 20,325 dollars during the year.

Notes

Estimate only, not tax or financial advice. This tool uses the IRS Uniform Lifetime Table from Publication 590-B, which applies to most account owners. A separate Joint Life table applies if your sole beneficiary is a spouse more than 10 years younger than you. Missed RMDs can trigger a penalty, so confirm your amount and deadline at irs.gov.