IRA Required Minimum Distribution Calculator
Enter your Traditional IRA balance and age — see this year's RMD, the federal tax owed, and a projection through retirement.
About this tool
Traditional IRA owners must start withdrawing a minimum amount each year at age 73. This calculator uses the official IRS Uniform Lifetime Table to compute your exact RMD and projects future distributions.
How to use it
Quick steps to get the most out of this utility.
- 1
Enter your balance
The account value as of December 31 of last year.
- 2
Set your age
Your age at the end of the current tax year.
- 3
Set your tax rate
Marginal federal rate for the distribution year.
- 4
View projection
See annual RMDs, estimated taxes, and balance trend.
IRA RMDs Under SECURE 2.0
The SECURE Act 2.0 (2022) raised the RMD starting age to 73 (up from 72). For those born in 1960 or later, it rises further to 75 starting in 2033. The penalty for missing an RMD dropped from 50% to 25% of the missed amount (further reduced to 10% if corrected within two years). These changes give more flexibility in IRA withdrawal planning.
Frequently asked questions
Does a Roth IRA have RMDs?+
No — Roth IRAs are exempt from RMDs during the original owner's lifetime. This is one of the key advantages of a Roth IRA vs. a Traditional IRA for retirement planning.
What if I have multiple IRAs?+
You must calculate the RMD separately for each Traditional IRA but can take the total amount from any one IRA or a combination. The total across all accounts must meet the combined RMD requirement.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.