Required Minimum Distribution (RMD) Calculator
Estimate the minimum you must withdraw from tax-deferred retirement accounts (IRA, 401(k)) once you reach RMD age.
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At RMD age the IRS requires minimum annual withdrawals from tax-deferred accounts like traditional IRAs and 401(k)s — your prior year-end balance divided by an IRS life-expectancy factor.
Missing an RMD can trigger penalties, so it’s worth planning withdrawals alongside your other income.
Frequently asked questions
When do RMDs start?
Generally at age 73 under current rules — confirm your start age with your plan administrator.
Are Roth accounts subject to RMDs?
Roth IRAs aren’t subject to lifetime RMDs for the original owner.
What if I miss an RMD?
Missing or underpaying can result in an IRS penalty, so take the full amount on time.
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