Tax

RMD Calculator

Project Required Minimum Distributions year by year using IRS Pub. 590-B life-expectancy tables (Uniform Lifetime or Joint Life and Last Survivor).

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How to use

Enter your current age, pre-tax balance, and an assumed annual growth rate.
Pick your filing status and (if jointly filing with a much-younger spouse) the Joint Life table.
Choose the RMD start age (73 vs. 75) and the timing within the year.
Review first RMD, peak RMD, lifetime totals, and the year-by-year projection.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Uses 2024 IRS life-expectancy tables; future updates can change divisors.
Growth is applied at the flat annual rate you enter; no volatility, no sequence-of-returns risk.
RMDs apply only to pre-tax IRA / 401(k) balances entered here; Roth IRAs (during the owner's life) are not subject to RMDs.