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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Open calculator →What this calculates
Estimates your required minimum distribution from retirement accounts.
Assumptions & methodology
- Uses IRS Uniform Lifetime Table factors.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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