Calculator
Required Minimum Distribution
Calculate your required minimum distribution using the IRS Uniform Lifetime Table from Publication 590-B. Applies to traditional IRAs, 401(k)s, and most tax-deferred retirement accounts.
Required minimum distributions use your age at the end of the distribution year.
Use the prior year-end fair market value, as the IRS rules require.
Only affects the projected future balances in the schedule.
Used only to show the estimated tax on each distribution.
Required minimum distribution at age 75
$81,301
Balance of $2,000,000 divided by a distribution period of 24.6. At a 32% marginal rate, roughly $26,016 of that is tax.
Projected schedule
Each year takes the prior year-end balance, divides it by that age’s distribution period, then grows the remainder at your assumed return.
| Age | Period | Start balance | RMD | Estimated tax |
|---|---|---|---|---|
| 75 | 24.6 | $2,000,000 | $81,301 | $26,016 |
| 76 | 23.7 | $2,033,821 | $85,815 | $27,461 |
| 77 | 22.9 | $2,064,886 | $90,170 | $28,854 |
| 78 | 22.0 | $2,093,200 | $95,145 | $30,447 |
| 79 | 21.1 | $2,117,937 | $100,376 | $32,120 |
| 80 | 20.2 | $2,138,615 | $105,872 | $33,879 |
| 81 | 19.4 | $2,154,707 | $111,067 | $35,542 |
| 82 | 18.5 | $2,166,258 | $117,095 | $37,470 |
| 83 | 17.7 | $2,172,113 | $122,718 | $39,270 |
| 84 | 16.8 | $2,172,359 | $129,307 | $41,378 |
| 85 | 16.0 | $2,165,635 | $135,352 | $43,313 |
| 86 | 15.2 | $2,152,099 | $141,585 | $45,307 |
| 87 | 14.4 | $2,131,145 | $147,996 | $47,359 |
| 88 | 13.7 | $2,102,138 | $153,441 | $49,101 |
| 89 | 12.9 | $2,065,619 | $160,125 | $51,240 |
What this calculator assumes
- Distribution periods come from the IRS Uniform Lifetime Table, Table III in Appendix B of IRS Publication 590-B, as in effect since the 2022 update.
- The Uniform Lifetime Table is the right table for most account owners. If your sole beneficiary is a spouse who is more than ten years younger than you, the Joint Life and Last Survivor Table applies instead and your required amount would be lower.
- The calculation uses your prior December 31 account balance and your age at the end of the distribution year, which is what the IRS rules require.
- Under the SECURE 2.0 Act, required distributions begin at age 73, or at age 75 for anyone born in 1960 or later.
- The projected schedule assumes a constant return and that you withdraw exactly the required amount each year and nothing more.
- Estimated tax applies your single marginal rate to the whole distribution. It ignores brackets, state tax, Medicare premium surcharges, and the taxation of Social Security.
This tool produces estimates for planning discussion only. It is not investment, tax, or legal advice, it does not account for your full situation, and it is not a projection of actual results. Investments involve risk and are not guaranteed.
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