Once a person reaches the age of 73, the IRS requires retirement account holders to withdraw a minimum amount of money each year – this amount is referred to as the Required Minimum Distribution (RMD). This calculator calculates the RMD depending on your age and account balance. The calculations are based on the IRS Publication 590-B, so the calculator is intended for residents of the United States only.
• Enter your Year of birth and select your Year of RMD distribution tax year.
• Input the prior year-end fair market value balance (as of December 31st of the previous calendar year).
• If your spouse is the primary beneficiary and is more than 10 years younger than you, IRS Table II (Joint Life Expectancy) is automatically applied.
Model your mandatory distribution per IRS Publication 590-B.
If you only withdraw the RMD at the end of each year and your return rate is 5% per year, your future account balance and RMDs will progress according to the schedule below.
• Table Used: Uniform Lifetime Table (Table III)
• Owner Age in 2026: 75 (SECURE 2.0 RMD threshold: 73)
Year-by-year ending balance and mandatory distribution amounts.
Complete multi-decade withdrawal projection schedule.
| Year | Your Age | Distribution period | RMD ($) | End of Year Balance ($) |
|---|---|---|---|---|
| 2026 | 75 | 24.6 | $12,195.12 | $302,804.88 |
| 2027 | 76 | 23.7 | $12,776.58 | $305,168.54 |
| 2028 | 77 | 22.9 | $13,326.14 | $307,100.83 |
| 2029 | 78 | 22.0 | $13,959.13 | $308,496.75 |
| 2030 | 79 | 21.1 | $14,620.70 | $309,300.89 |
| 2031 | 80 | 20.2 | $15,311.93 | $309,454.01 |
| 2032 | 81 | 19.4 | $15,951.24 | $308,975.47 |
| 2033 | 82 | 18.5 | $16,701.38 | $307,722.86 |
| 2034 | 83 | 17.7 | $17,385.47 | $305,723.54 |
| 2035 | 84 | 16.8 | $18,197.83 | $302,811.88 |
| 2036 | 85 | 16.0 | $18,925.74 | $299,026.73 |
| 2037 | 86 | 15.2 | $19,672.81 | $294,305.26 |
| 2038 | 87 | 14.4 | $20,437.87 | $288,582.66 |
| 2039 | 88 | 13.7 | $21,064.43 | $281,947.36 |
| 2040 | 89 | 12.9 | $21,856.38 | $274,188.35 |
| 2041 | 90 | 12.2 | $22,474.45 | $265,423.31 |
| 2042 | 91 | 11.5 | $23,080.29 | $255,614.19 |
| 2043 | 92 | 10.8 | $23,667.98 | $244,726.92 |
| 2044 | 93 | 10.1 | $24,230.39 | $232,732.87 |
| 2045 | 94 | 9.5 | $24,498.20 | $219,871.32 |
| 2046 | 95 | 8.9 | $24,704.64 | $206,160.24 |
| 2047 | 96 | 8.4 | $24,542.89 | $191,925.37 |
| 2048 | 97 | 7.8 | $24,605.82 | $176,915.82 |
| 2049 | 98 | 7.3 | $24,235.04 | $161,526.57 |
| 2050 | 99 | 6.8 | $23,753.91 | $145,848.99 |
| 2051 | 100 | 6.4 | $22,788.90 | $130,352.53 |
| 2052 | 101 | 6.0 | $21,725.42 | $115,144.74 |
| 2053 | 102 | 5.6 | $20,561.56 | $100,340.42 |
| 2054 | 103 | 5.2 | $19,296.23 | $86,061.20 |
| 2055 | 104 | 4.9 | $17,563.51 | $72,800.75 |
| 2056 | 105 | 4.6 | $15,826.25 | $60,614.54 |
Required Minimum Distributions ensure that tax-deferred retirement accounts (Traditional IRAs, SEP IRAs, SIMPLE IRAs, and 401(k) plans) are eventually drawn down and taxed.
The starting age for RMDs is age 73 for those turning 72 on or after January 1, 2023 (born 1951–1959), and increases to age 75 for individuals born in 1960 or later.
Your first RMD can be delayed until April 1st of the year following the year you reach RMD age. Subsequent RMDs must be taken by December 31st of each calendar year.
Under SECURE 2.0, the excise tax penalty for failing to withdraw the full RMD amount was reduced from 50% down to 25%, and can be reduced to 10% if corrected in a timely manner.
Model pre-tax vs. post-tax multi-account comparisons.
Tax-free compounding without lifetime RMD requirements.
Project employer 401(k) retirement accumulation.
Estimate marginal tax on mandatory RMD distributions.