RMD Calculator
| Account Balance | - |
| Life Expectancy Divisor | - |
How the RMD Calculator Works
This calculator divides your retirement account balance from the end of the prior year by the life expectancy divisor for your age, taken from the IRS Uniform Lifetime Table, to estimate the minimum amount you must withdraw this year.
How to Use This Calculator
- Fill in the input fields with your own numbers.
- Click Calculate to instantly see your result.
- Change any value and recalculate as many times as you like - there is no limit on usage.
How to Print or Save This Page as a PDF
- Fill in your values and click Calculate.
- Click the Print link at the top of the page.
- In the print dialog, choose "Save as PDF" as the destination, keeping "Background graphics" turned on.
Frequently Asked Questions
Does this apply to every retirement account?
RMD rules apply to most tax-deferred retirement accounts once you reach the required age; Roth IRAs are typically exempt during the original owner's lifetime. Always confirm current-year rules with the IRS or a tax advisor.
Is this RMD Calculator free to use?
Yes, completely free, with no registration, download, or watermark - just enter your numbers and get an instant result.
Is my data stored or sent anywhere?
No - every calculation on this page runs locally in your own browser using JavaScript; nothing you type is uploaded, logged, or stored on any server.
Does this work on mobile phones?
Yes, the layout automatically adjusts for phones and tablets, so you can use this calculator on any device with a modern web browser.
Can I rely on this for financial or legal decisions?
This tool is designed to give a fast, well-informed estimate for everyday use. For decisions with financial or legal consequences, always confirm the figures with a qualified professional.