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RMD Calculator
Calculate your required minimum distribution (RMD) from an IRA or 401(k) with the IRS Uniform Lifetime Table.
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How RMDs are calculated
RMD = prior Dec 31 balance ÷ distribution period (Uniform Lifetime Table)
Under SECURE 2.0, RMDs start the year you turn 73 (born 1951–1959) or 75 (born 1960 or later). Your first RMD can be delayed to April 1 of the following year, but then two RMDs fall in that year. Roth IRAs have no RMDs for the original owner.
| Age | Distribution period |
|---|---|
| 72 | 27.4 |
| 73 | 26.5 |
| 74 | 25.5 |
| 75 | 24.6 |
| 76 | 23.7 |
| 77 | 22.9 |
| 78 | 22 |
| 79 | 21.1 |
| 80 | 20.2 |
| 81 | 19.4 |
| 82 | 18.5 |
| 83 | 17.7 |
| 84 | 16.8 |
| 85 | 16 |
| 86 | 15.2 |
| 87 | 14.4 |
| 88 | 13.7 |
| 89 | 12.9 |
| 90 | 12.2 |
| 91 | 11.5 |
| 92 | 10.8 |
| 93 | 10.1 |
| 94 | 9.5 |
| 95 | 8.9 |
| 96 | 8.4 |
| 97 | 7.8 |
| 98 | 7.3 |
| 99 | 6.8 |
| 100 | 6.4 |
| 101 | 6 |
| 102 | 5.6 |
| 103 | 5.2 |
| 104 | 4.9 |
| 105 | 4.6 |
| 106 | 4.3 |
| 107 | 4.1 |
| 108 | 3.9 |
| 109 | 3.7 |
| 110 | 3.5 |
| 111 | 3.4 |
| 112 | 3.3 |
| 113 | 3.1 |
| 114 | 3 |
| 115 | 2.9 |
| 116 | 2.8 |
| 117 | 2.7 |
| 118 | 2.5 |
| 119 | 2.3 |
| 120+ | 2 |
Source: IRS Publication 590-B, Appendix B, Table III (in effect since 2022).
Frequently asked questions
What is the RMD factor at age 73?
26.5, so a $500,000 balance gives an RMD of about $18,868.
When do RMDs start?
At 73 for people born 1951–1959, and 75 for those born 1960 or later.
About this tool
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- Last updated
- 31 Oct 2026
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