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Calculate your Required Minimum Distribution (RMD) for traditional IRA and 401(k) accounts. Uses the IRS Uniform Lifetime Table. SECURE 2.0: RMD age 73 (born 1951–1959) or 75 (born 1960+).
This Year's RMD
$0
RMD Age
73
With a $500,000 prior year-end balance at age 75 (born 1955), your required minimum distribution is $0. This is based on the IRS Uniform Lifetime Table factor of 24.6 for age 75.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
RMD age: 73 (born 1951–1959), 75 (born 1960+)
You are not yet subject to RMD.
RMDs begin at age 75 (year 3911 for you). Once you reach that age, your required minimum distribution will be based on the account balance and the IRS Uniform Lifetime Table.
FinCalc AI
FinCalc AI
Suggested questions:
The IRS requires you to withdraw a minimum amount from traditional IRAs and 401(k)s each year. RMD = prior year-end account balance ÷ distribution period from the IRS Uniform Lifetime Table (Publication 590-B). SECURE 2.0 raised the starting age: 73 for those born 1951–1959, 75 for those born 1960 or later.
Miss an RMD and the IRS may impose a 25% penalty on the shortfall. Qualified Charitable Distributions (QCDs) can satisfy RMDs tax-free up to $105,000 in 2025.
Data and assumptions align with official publications. For verification and current figures:
An RMD is the minimum amount you must withdraw from traditional IRAs and 401(k)s each year starting at age 73 (born 1951–1959) or 75 (born 1960+). The IRS Uniform Lifetime Table determines the divisor based on your age. Failing to take the full RMD results in a 25% penalty.
SECURE 2.0 raised the RMD age: 73 for those born 1951–1959, 75 for those born 1960 or later. The first RMD can be delayed until April 1 of the year after you reach RMD age. Each subsequent RMD must be taken by December 31.
RMD = prior year-end account balance ÷ distribution period from the IRS Uniform Lifetime Table. For example, at age 75 the factor is 24.6, so a $500,000 balance has an RMD of about $20,325. The table is in IRS Publication 590-B.
Divide your IRA balance at the end of the previous year by the IRS distribution factor for your age. At 73 the factor is 26.5; at 74 it is 25.5. A $200,000 balance at 74 means RMD = $200,000 ÷ 25.5 ≈ $7,843. The factor decreases each year. Use the calculator for your exact amount.
The IRS charges a 25% penalty on the amount not withdrawn (potentially reduced to 10% if you correct it within two years and file a Form 5329). The RMD is taxable income in the year withdrawn. You can withdraw more than the minimum; the RMD is a floor, not a ceiling.
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