RMD Estimator
Once you reach the required age, the IRS sets a minimum you must withdraw each year from pre-tax retirement accounts. Enter your account balance and age to estimate this year’s required distribution.
Estimate Your IRA RMD for
Enter the age you will turn this year and your pre-tax IRA balances from last year-end. We’ll estimate your required minimum distribution for the current year using the standard IRS lifetime table used for most IRA owners.
Enter up to 5 traditional, SEP, and/or SIMPLE IRA balances. Leave any unused fields blank.
For traditional, SEP, and SIMPLE IRAs, your RMD is calculated across all of your IRAs. You can take the total from one IRA or split it across several IRA accounts, as long as the total withdrawn satisfies the full RMD.
401(k) accounts are treated separately and generally need to satisfy their own RMD rules outside of your IRA calculation.
Most ongoing RMDs should be withdrawn by 12/31. In the first RMD year, the IRS generally allows a later deadline of 4/1 of the following year, which can create two taxable RMDs in one year.
Want help coordinating RMDs with taxes, Roth conversions, charitable giving, or Medicare planning? The withdrawal amount is only one piece of the puzzle. A coordinated tax plan can help determine which account to pull from and whether a QCD or Roth strategy makes sense.
Results are educational estimates only and assume you are the original owner of traditional, SEP, and/or SIMPLE IRAs using the IRS Uniform Lifetime Table. This tool does not cover inherited IRAs, Roth IRAs, or the special table used when a spouse is the sole beneficiary and more than 10 years younger. It also assumes the balances entered are fully pre-tax, so actual taxable income may differ if you have after-tax basis or other special circumstances. Tools and calculators are for educational purposes only and do not constitute tax, legal, or investment advice. Results are hypothetical estimates based on the inputs provided. Actual outcomes will vary.