Calculator
RMD Calculator
Estimate the required minimum distribution for the current tax year, see how much remains to withdraw, and review the timing and table assumptions behind the calculation.
RMD details
Account profile
Enter the owner’s age, prior year-end balance, and any withdrawals already taken this year.
RMD estimate
Current year
Estimated remaining RMD
$20,325
Based on $20,325 of estimated 2026 RMD and $0 already withdrawn.
RMD view
Review the current-year estimate, future schedule, and assumptions.
2026 RMD
$20,325
Estimated total required distribution for the current year.
Remaining
$20,325
Current-year RMD minus eligible withdrawals already entered.
Divisor
24.6
Life-expectancy factor used for the current-year calculation.
Current-year calculation
Deadline and balance
Notes
How to use this RMD calculator
Use this as an annual checkpoint for the required distribution, remaining withdrawal amount, and timing notes tied to the current tax year.
Balance
Start with the prior year-end balance
RMDs are based on the eligible account balance from December 31 of the prior year, not the balance today.
Age
Confirm the owner age and table
The calculator applies the owner RMD age rule, then uses the Uniform Lifetime Table unless the spouse-beneficiary rule qualifies.
Action
Read the remaining withdrawal
Use the current-year RMD, amount already withdrawn, deadline note, and schedule as a planning checkpoint.
1
Enter the current-year RMD facts
Add the age you turn this year, the prior December 31 balance, and any eligible withdrawals already taken.
2
Open spouse details only when they apply
Use the spouse setting only when your spouse is the sole beneficiary and may be more than 10 years younger.
3
Review the result before taking action
Check the remaining RMD, deadline note, table used, and schedule, then confirm account-level rules with the custodian.
About this tool
What this helps you do
This calculator estimates the owner RMD for the current tax year, how much remains to withdraw, and how future balances could change under one return assumption.
How to interpret results
Treat the estimate as a planning read. The final amount can depend on account type, custodian data, aggregation choices, and whether an exception applies.
Tax-rule notes
The model uses current-year owner RMD start-age logic, prior-year balance mechanics, and IRS lifetime tables maintained in the shared tax engine.
Limitations
This tool does not model inherited accounts, Roth IRA owner rules, still-working employer-plan exceptions, QCD reporting, penalties, or personalized tax advice.
Keep learning
RMD estimate notes
This calculator provides a general owner-RMD estimate based on the assumptions entered. Before acting on the result, confirm the distribution requirement, account type, beneficiary status, and deadline with the custodian or a qualified tax professional.