📅

RMD Calculator

Required Minimum Distribution from traditional IRA / 401k by age.

Your Age

RMDs start at 73 (74 if you turn 73 in 2026+ per SECURE 2.0)

Pre-Tax IRA / 401(k) Balance (12/31 prior year)

Required Minimum Distribution

$18,868

Monthly equivalent$1,572

Withdrawal factor26.5

% of balance3.77%

Missing an RMD = 25% penalty (down from 50% under SECURE 2.0). Roth IRAs have no RMDs in your lifetime; Roth 401(k) RMDs eliminated starting 2024.