Calculate your Required Minimum Distributions and see how they affect your tax bill over the coming years.
Your Details
Age: calculating…
Applied to balance before each year's RMD is withdrawn
Projection Settings
Amount withdrawn each year during the age window below
Start age
End age
SECURE Act 2.0 Rules
Born 1951–1959: RMDs start at 73
Born 1960 or later: RMDs start at 75 (effective 2033)
Born 1950 or earlier: RMDs already started at 72

How RMDs Work

  • IRS requires annual withdrawals from pre-tax accounts starting at your RMD age
  • Amount = prior Dec 31 balance ÷ IRS Uniform Lifetime Table divisor for your age
  • Divisors decrease with age, so RMD % of balance rises over time
  • Applies to traditional 401(k), 403(b), and traditional IRA accounts
  • Roth 401(k) RMDs eliminated by SECURE 2.0; Roth IRAs have no RMDs
  • Missed RMDs incur a 25% excise tax (reduced from 50% by SECURE 2.0)
RMD Start Age
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—
First RMD Amount
—
at start age
Peak Annual RMD
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at age —
Total RMDs Withdrawn
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over projection period
Balance & Annual RMD Over Time
Year-by-Year Schedule
AgeBalance (Jan)GrowthRMDBalance (Dec)RMD %

⚠️ Important Disclaimer

This calculator provides estimates only based on the assumptions you enter. Actual results will vary.

This is not financial advice. Consult a qualified financial advisor or tax professional for personalized guidance.

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