100% free. No signup required.
No email, no account, no catch. Enter your birth year and account balance to get an instant estimate of this year's required minimum distribution.
This calculator provides an educational estimate only and is not tax, legal, or financial advice. It uses the IRS Uniform Lifetime Table (unchanged since 2022) and current SECURE 2.0 age rules. Your actual RMD may differ based on your specific accounts and beneficiary designations — consult a licensed tax or financial professional. Table data as of August 2026.
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See If This Fits Your PlanThis calculator is free to use, with no signup, no email capture, and no hidden fees. It uses the same IRS Uniform Lifetime Table that financial institutions use to calculate required minimum distributions, so the math behind your estimate is the same math the IRS expects.
Your Required Minimum Distribution (RMD) is calculated by dividing your account balance as of December 31 of the prior year by a life expectancy factor tied to your age. Under SECURE 2.0, RMDs generally begin at age 73 (born 1951–1959) or 75 (born 1960 or later).
Yes. There's no signup, no email required, and no cost to use it. You get an instant estimate based on current IRS rules.
An RMD is the minimum amount you're required to withdraw annually from tax-deferred retirement accounts once you reach your RMD age.
This calculator uses the official IRS Uniform Lifetime Table, the same table used industry-wide, so the estimate is accurate for most account owners. Special situations (like a much younger spouse beneficiary) may require a different table.
Just your birth year and your account balance as of December 31 of last year.