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RMD Calculator

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Estimate required minimum distributions using IRS life tables.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

Related tools

Look up the Uniform Lifetime Table distribution period for your age and tax year, then divide account balance by that period.

RMD rules force taxable withdrawals from deferred accounts starting at SECURE 2.0 ages. Missing RMDs triggers heavy penalties reduced recently but still costly.

Multiple IRAs allow aggregate RMD calculation but 403(b) and inherited rules differ—this tool models common traditional IRA cases.

Qualified Charitable Distributions can satisfy RMD without increasing taxable income up to limits.

How to use this tool

Enter year-end account balance, your age in the distribution year, and tax year (2025 or 2026). Optionally choose Joint Life or Auto and enter spouse age when the spouse is more than 10 years younger.

Worked example

A $500,000 IRA at age 75 uses a 24.6 Uniform Lifetime period (~$20,325 RMD). With a spouse age 60, Joint Life uses 28.3 (~$17,668 RMD).

When to use this

  • Planning first RMD year cash flow and tax withholding.
  • Estimating taxable income jump when RMDs stack with Social Security.
  • Comparing Roth conversion years before RMDs begin.

Common mistakes

  • Using current balance instead of prior December 31 balance.
  • Applying wrong life expectancy table for spouse age gaps.
  • Forgetting inherited IRA RMD rules differ from owner RMDs.

How it works

Looks up the IRS Uniform Lifetime Table distribution period for your age and tax year by default, then divides account balance by that period. When your spouse is the sole beneficiary and more than 10 years younger, you can select (or auto-select) Joint Life & Last Survivor Table II for a typically longer period and smaller RMD.

Limitations

Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.

Privacy and file handling

Your data stays on your device and is not uploaded.

FAQ

Frequently asked questions

Which table is used?

The IRS Uniform Lifetime Table factors configured for the selected tax year.

Does this cover inherited IRAs?

No. This estimate is for owner RMDs under the uniform lifetime table.

Is RMD Calculator free to use?

Yes. Utilnivo tools are free to use and do not require an account.

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