Relocation by Numbers

RMD Calculator

Find your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table, plus a multi-year schedule and the tax you'll owe.

SECURE 2.0 start age (73 or 75 by birth year) · Uniform Lifetime Table · tax estimate.

See methodologyPlanning estimates only. Results depend on your inputs, tax status, and assumptions.
Your account
Tax estimate
RMDs are taxed as ordinary income (federal + state, no FICA). Without other income entered, this treats the RMD as your only income; if you have other income, your rate may be higher.
This year's required minimum distribution
$18,868

$500,000 ÷ 26.5 (age 73 divisor) = 3.77% of your balance. After an estimated $277 in income tax, you keep about $18,591.

Projected RMDs by age
Each year's RMD from the balance and Uniform Lifetime divisor.
AgeDivisorRMDEst. tax
7326.5$18,868$277
7425.5$19,811$371
7524.6$20,717$462
7623.7$21,661$556
7722.9$22,546$645
7822$23,566$747
7921.1$24,627$853
8020.2$25,730$963
8119.4$26,738$1,064
8218.5$27,923$1,182
8317.7$28,988$1,299
8416.8$30,256$1,451
8516$31,372$1,585
8615.2$32,507$1,721
8714.4$33,658$1,859
8813.7$34,567$1,968
8912.9$35,733$2,108
9012.2$36,597$2,212
9111.5$37,424$2,311
9210.8$38,204$2,404
RMDs from traditional IRAs and 401(k)s must begin by April 1 of the year after the year you reach age 73 (then by December 31 each year after). The starting age is 73 if you were born 1951 to 1959 and 75 if you were born in 1960 or later; the age shown here uses your birth year, or an estimate from your age if you leave it blank. Missing one triggers a 25% penalty (10% if corrected promptly). This uses the Uniform Lifetime Table; a spouse more than 10 years younger as sole beneficiary uses a different table. Roth IRAs have no lifetime RMDs. The tax shown uses the standard deduction for a filer under 65; the extra deduction at 65+ and the temporary senior deduction are not applied, so it may be overstated. Estimates only, not tax advice.
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How this calculator works

Your RMD is your prior year-end balance divided by a life-expectancy factor from the IRS Uniform Lifetime Table for your age. At 73 that factor is 26.5, about 3.77% of your balance, and it drops each year, so RMDs take a larger share as you age.

The calculator shows this year's RMD, projects the schedule forward as your balance grows and is drawn down, and estimates the federal and state income tax on each distribution using the same verified tax engine as the rest of the site.

Official divisors

IRS Uniform Lifetime Table (2022 update).

Multi-year view

See how RMDs rise as the divisor shrinks.

Tax estimate

Ordinary income tax, federal + state.

Start age by birth year

73 if born 1951 to 1959; 75 if born in 1960 or later.

Good to know

Missing an RMD triggers a 25% penalty (10% if corrected promptly), so the deadlines matter.

This uses the Uniform Lifetime Table. If your sole beneficiary is a spouse more than 10 years younger, a different (lower) table applies.

Roth IRAs, and, since 2024, Roth 401(k)s, have no lifetime RMDs.

It's a planning estimate, not tax advice.

✓No account or sign-up required
✓IRS Uniform Lifetime Table
✓Federal + state tax estimate

Frequently asked questions

What is an RMD?+
The minimum you must withdraw each year from a traditional IRA/401(k) once you reach the required age, your prior year-end balance divided by an IRS Uniform Lifetime Table factor.
At what age do RMDs start?+
Age 73 if you were born 1951 to 1959, and age 75 if you were born in 1960 or later (SECURE 2.0). The first can be delayed to April 1 of the following year, but then you take two that year.
How is it calculated?+
December 31 prior-year balance ÷ the age divisor. At 73 the divisor is 26.5, so $500,000 gives about an $18,868 RMD.
Do Roth accounts have RMDs?+
No, Roth IRAs never require lifetime RMDs, and as of 2024 neither do Roth 401(k)s. RMDs apply to traditional pre-tax accounts.
What if I miss one?+
A 25% penalty on the shortfall (10% if corrected promptly), and the RMD is taxed as ordinary income when taken.

Plan your withdrawals

See how RMDs fit your broader drawdown and tax plan.

Sources and limits

Tax figures come from IRS and state government publications (2026 rules, checked October 13, 2026). Written and maintained by Relocation By Numbers. Sources and limits reviewed October 13, 2026. Found a mistake? Tell us in the feedback box below. Full methodology

Sources

Not included

  • Uses the Uniform Lifetime Table only; a spouse more than 10 years younger as sole beneficiary and inherited accounts use different tables.
  • The still-working exception for employer plans is not modeled.
  • The tax estimate treats the distribution as your only ordinary income.
  • Returns are an assumption, not a forecast.

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