Calculate
RMD assumptions
RMDThe reference page submits the form and refreshes the results on the right. This version keeps the same retirement-distribution idea, but updates the divisor, RMD amount, and projection table live on one page.
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Open categoryThis calculator is part of the finance section. Keep the current tool open for calculation, then use the related calculators below to compare nearby planning tasks.
Finance calculator
RMD Calculator
Use an RMD calculator to estimate your required minimum distribution, check the life-expectancy divisor, and review how future balances may change after each withdrawal.
How to use this calculator
How RMD calculations work
An RMD calculator estimates the minimum amount that generally must be withdrawn from certain retirement accounts after the required beginning age is reached. The distribution is usually based on the prior year-end account balance and an IRS life-expectancy divisor.
- Use the account balance and birth date to estimate the divisor and the required distribution for the selected RMD year.
- Turn on the spouse-beneficiary option when the spouse is the sole beneficiary and significantly younger, because that can increase the divisor and reduce the required distribution.
- Use the annual return assumption only for forward projection. It does not change the current-year RMD amount directly.
Formula / method
Formula / method
This rmd calculator uses the existing ToolModule calculation model for the inputs shown above. The page keeps the original formulas and result logic intact, then presents the output in a clearer working layout.
- Start with the required inputs in the form above.
- The calculator applies the existing ToolModule calculation logic for this tool.
- Review the result cards, tables, and charts together before making a real-world decision.
Example calculation
Review the current live example
The example below reflects the current values shown in the calculator above, so it updates as you change the form without altering the calculation logic itself.
Example inputs
IRA / retirement account balance550,000
Your birth date1951-07-12
RMD year2,026
Expected annual return (%)5
Spouse is sole beneficiary?No
Example outputs
RMD year2026
Your age in RMD year75
Required beginning age73
Life expectancy divisor24.60
Disclaimer
Use results as planning guidance only
Results are for reference only and do not constitute financial, investment, tax, or legal advice. Product terms, lender rules, tax treatment, and fees can vary in real situations.
- Do not treat calculator output as financial, investment, medical, or legal advice.
- Check assumptions, dates, tax rules, and provider-specific terms before acting on a result.
- Use official documents or professional guidance when the decision has material consequences.
FAQ
Common RMD questions
What is an RMD?
RMD stands for required minimum distribution. It is the minimum amount many retirement-account owners must withdraw each year after reaching the required beginning age.
Why does the divisor matter so much?
The divisor determines how the account balance is spread across remaining life expectancy. A larger divisor lowers the required withdrawal, while a smaller divisor increases it.
Does a younger spouse change the RMD calculation?
Yes, in some cases. When the spouse is the sole beneficiary and is more than 10 years younger, a different divisor approach can reduce the required minimum distribution.