Free tool · Retirement
Required Minimum Distribution (RMD) Calculator
The amount the IRS requires you to withdraw from your traditional IRA or 401(k) this year — straight from your prior year-end balance and the Uniform Lifetime Table.
Your RMD this year
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Uniform Lifetime divisor
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Your RMD start age
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% of balance
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Prior 12/31 balance—
Uniform Lifetime divisor (your age)—
RMD = balance ÷ divisor—
RMD = prior year-end balance ÷ your IRS Uniform Lifetime Table divisor. SECURE 2.0 sets your RMD start age by birth year: born 1950 or earlier → 72; born 1951–1959 → 73; born 1960 or later → 75. Roth IRAs have no RMDs during the owner's lifetime. This estimate uses the standard Uniform Lifetime Table; a different table applies if your sole beneficiary is a spouse more than 10 years younger. Income tax on the withdrawal is modeled in the full ClearAxisCFO plan, not here.
One slice of the picture
See how RMDs stack with Social Security and IRMAA in your full plan.