RMD Calculator
Enter the prior December 31 account balance and your age for an educational Uniform Lifetime Table sketch. Special beneficiary and spouse rules are not covered.
RMD assumptions
Prior Dec. 31 balance ($)iUse your best current estimate; lender and account terms control. | |
|---|---|
AgeiUse your best current estimate; lender and account terms control. |
How to use this calculator
- Enter the account balance generally used for the distribution-year calculation.
- Enter an age from 73 onward.
- Review the selected divisor and estimated distribution amount.
Results explained
The headline divides the entered balance by an embedded Uniform Lifetime Table divisor. The divisor falls with age, so the required withdrawal percentage rises over time.
Quick reference: Uniform Lifetime Table sketch
Selected divisors are embedded for ages 73–95+, rounded as an educational reference.
| Item | Detail |
|---|---|
| Age 73 | 26.5 divisor |
| Age 80 | 20.2 divisor |
| Age 90 | 12.2 divisor |
| Age 95+ | 8.9 divisor at 95; 5.6 used for 100+ |
Inherited IRAs, a spouse more than 10 years younger, Roth-account rules, and tax withholding are not modeled.
How it’s built
Estimated RMD = prior December 31 balance ÷ age-based Uniform Lifetime Table divisor. The calculator uses a small embedded divisor map and clamps ages above the map to the nearest shown value.
Example
A $500,000 balance at age 73 divided by a 26.5 divisor gives an educational estimate near $18,868.
FAQ
Is this an official IRS calculation?
No. Confirm the applicable table and account rules with your custodian or tax professional.
Are Roth IRAs subject to RMDs?
Original owners generally do not take Roth IRA RMDs; this general sketch is not account-specific.
Why does my divisor differ?
Special spouse, inherited-account, and rule-year circumstances can use another table.