MasterTool

RMD Calculator

Calculate rmd from your own entered figures.

IRS Uniform Lifetime Table (Publication 590-B, Table III) last updated · reference source

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Currency: Amounts are calculated in the currency you select; this site does not convert between currencies and does not use live exchange rates.

Dated static reference; no live data is fetched. Verify current source values and assumptions before relying on results.

What this tool does

Calculate rmd from your own entered figures. Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.

How to use the RMD Calculator

  1. Enter or select account balance on dec 31 of the prior year.
  2. Enter or select your age in the distribution year.
  3. Read the calculated result; change any measurement to compare alternatives.

Formula

RMD = prior Dec 31 balance ÷ the IRS Uniform Lifetime Table factor for your age (e.g. age 75 → 24.6)
balance
Account balance on Dec 31 of the prior year
age
Your age in the distribution year

Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.

Worked example

For rmd calculator, the following measurements illustrate the exact method: Account balance on Dec 31 of the prior year: 100000; Your age in the distribution year: 75.

Inputs

  • Account balance on Dec 31 of the prior year100000
  • Your age in the distribution year75

Result

  • Required minimum distribution (RMD)$4,065.04
  • Uniform Lifetime Table factor24.6
  • RMD as % of balance4.07%

Results explained

Required minimum distribution (RMD)
Required minimum distribution (RMD) from the formula above. Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.
Uniform Lifetime Table factor
Uniform Lifetime Table factor from the formula above. Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.
RMD as % of balance
RMD as % of balance from the formula above. Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.

Frequently asked questions

RMD = prior Dec 31 balance ÷ the IRS Uniform Lifetime Table factor for your age (e.g. age 75 → 24.6)

Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.

No. All numbers are entered by you or come from the dated reference table shown on this page; calculations run locally.

This is an estimate, not financial, tax or legal advice. Verify the inputs and output with official sources and a qualified professional.

Check period consistency, currency, percentage inputs and the assumptions: Uses Table III (Uniform Lifetime) from IRS Publication 590-B for most owners; if your spouse is your sole beneficiary and more than 10 years younger, the Joint Life table (lower RMDs) applies instead. Roth IRAs have no lifetime RMDs for the owner.