Enter your birth year and account balance to get this year's required minimum distribution from the IRS Uniform Lifetime Table, the excise tax you'd owe on a shortfall, and a year-by-year withdrawal schedule. Free, no signup, nothing leaves your browser.
You're 74 this year. Your RMD age is 73 (SECURE 2.0 Act).
IRAs can be aggregated: total the RMD from every IRA you own and withdraw it from any one (or combination) of them.
Required withdrawal this year
$19,607.84
$500,000.00 ÷ 25.5 (Uniform Lifetime Table divisor for age 74)
Potential excise tax if not corrected: $4,901.96
25% of the $19,607.84 shortfall (IRC §4974(a)), or $1,960.78 (10%) if corrected within the SECURE 2.0 correction window.
Withdrawn so far
$0.00
Still owed this year
$19,607.84
RMDs are taxed as ordinary income at your marginal rate, not as qualified dividends — see the Dividend Tax Calculator to estimate the ordinary-income portion of your tax bill.
| Year | Age | Divisor | RMD required | Balance start | Balance after |
|---|---|---|---|---|---|
| 2026 | 74 | 25.5 | $19,607.84 | $500,000.00 | $504,411.76 |
| 2027 | 75 | 24.6 | $20,504.54 | $504,411.76 | $508,102.58 |
| 2028 | 76 | 23.7 | $21,438.93 | $508,102.58 | $510,996.84 |
| 2029 | 77 | 22.9 | $22,314.27 | $510,996.84 | $513,116.69 |
| 2030 | 78 | 22 | $23,323.49 | $513,116.69 | $514,282.87 |
| 2031 | 79 | 21.1 | $24,373.60 | $514,282.87 | $514,404.74 |
| 2032 | 80 | 20.2 | $25,465.58 | $514,404.74 | $513,386.11 |
| 2033 | 81 | 19.4 | $26,463.20 | $513,386.11 | $511,269.06 |
| 2034 | 82 | 18.5 | $27,636.17 | $511,269.06 | $507,814.54 |
| 2035 | 83 | 17.7 | $28,690.09 | $507,814.54 | $503,080.67 |
| 2036 | 84 | 16.8 | $29,945.28 | $503,080.67 | $496,792.16 |
| 2037 | 85 | 16 | $31,049.51 | $496,792.16 | $489,029.79 |
| 2038 | 86 | 15.2 | $32,173.01 | $489,029.79 | $479,699.61 |
| 2039 | 87 | 14.4 | $33,312.47 | $479,699.61 | $468,706.50 |
| 2040 | 88 | 13.7 | $34,212.15 | $468,706.50 | $456,219.06 |
Estimate only, computed from the IRS Uniform Lifetime Table (Pub. 590-B) over the numbers you enter — nothing is saved or sent anywhere. The multi-year projection assumes a constant return and no additional contributions or withdrawals beyond the RMD. Not tax advice; consult a tax professional and your account custodian, whose figure is the one reported to the IRS.
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The formula is set by IRS Publication 590-B: divide your account balance as of December 31 of the previous year by the distribution period for the age you turn this year, from the Uniform Lifetime Table (Pub. 590-B, Appendix B, Table III). For example, someone who turns 80 this year with a $500,000 prior year-end balance divides by the table's age-80 divisor of 20.2 — the calculator above runs that same division live on whatever numbers you enter, it isn't a canned example.
RMDs on dividend-paying holdings often force a sale or a shift out of stock into cash once withdrawals must start — see the Dividend Income Calculator to check how much income a smaller position would still generate, or the DRIP Calculator for how reinvestment compounds a taxable account with no RMDs to work around.
An RMD is the minimum amount the IRS requires you to withdraw each year from a tax-deferred retirement account — a Traditional IRA, SEP IRA, SIMPLE IRA, 401(k), 403(b), and similar employer plans — once you reach your RMD age. It's calculated by dividing your account balance as of December 31 of the prior year by a life-expectancy divisor from the IRS Uniform Lifetime Table (IRS Pub. 590-B, Appendix B, Table III).
Under the SECURE 2.0 Act of 2022 (Section 107), your RMD age depends on your birth year: 72 if born before 1951, 73 if born 1951–1959, and 75 if born in 1960 or later. Roth IRAs (unlike Roth 401(k)s before 2024, and traditional accounts) have no RMDs during the original owner's lifetime.
IRC Section 4974(a), as amended by SECURE 2.0 Section 302, imposes an excise tax of 25% of the shortfall (the required amount minus what you actually withdrew). That drops to 10% if you correct the shortfall within the IRS correction window — generally by the end of the second tax year after the year the tax applies — by taking the missed distribution and filing Form 5329.
Yes. Traditional, SEP, and SIMPLE IRAs can be aggregated: calculate each IRA's RMD separately, add them up, and withdraw the total from any one IRA or any combination of them. 401(k)s and 403(b)s cannot be aggregated with each other or with your IRAs — each employer plan's RMD must be withdrawn from that specific plan.
Yes — the RMD for the year you reach your RMD age can be delayed until April 1 of the following year (the "required beginning date"). The catch: every RMD after that first one is still due by December 31 each year, so delaying means you take two RMDs in that following year, which can push you into a higher tax bracket. This calculator flags that year so you can weigh the trade-off.
Yes. If your sole beneficiary for the entire year is a spouse more than 10 years younger than you, the IRS requires the Joint Life and Last Survivor Table (Table II) instead of the Uniform Lifetime Table, which produces a longer divisor and a smaller required RMD. This calculator flags that situation but doesn't compute Table II's two-dimensional values — see IRS Pub. 590-B or a tax professional for the exact figure.
No. Withdrawals from a Traditional IRA or 401(k) — including your RMD — are taxed as ordinary income at your marginal tax rate, regardless of whether the underlying holdings paid qualified dividends inside the account. Use the Dividend Tax Calculator to estimate ordinary-income tax on the withdrawn amount.
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Estimate the tax on what you withdraw, or check the IRA rules that got you here.
This calculator performs arithmetic on the numbers you enter and does not access your brokerage or custodian account. It is not tax advice; consult a tax professional and your account custodian, whose figure is the one reported to the IRS on Form 5498.