GlenCalc

RMD calculator

Use the account balance on December 31 of last year and the age you reach this year. The divisor comes from the IRS Uniform Lifetime Table (Publication 590-B), checked 2026-10-31.

Your answer

Required minimum distribution$20,325.20
Distribution period24.6
Share of the balance4.07 %
  • If your spouse is more than 10 years younger and your sole beneficiary, the IRS Joint Life table gives a smaller RMD. Roth IRAs have no RMDs for the owner.

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How we worked it out

Updated as you change the numbers.

  1. RMD = last year-end balance ÷ the Uniform Lifetime Table divisor for age 75 (24.6).

Method and assumptions

Each year’s RMD is the prior December 31 balance divided by the distribution period for your age in the Uniform Lifetime Table. Under SECURE 2.0, RMDs start at 73 for people born 1951–1959 and 75 for those born in 1960 or later. The first RMD can be delayed to April 1 of the next year, which means two in that year.

Questions

What is the RMD on $500,000 at 75?

$20,325.20: $500,000 ÷ 24.6.

Sources

Method and figures checked on . Every worked answer on this page is covered by an automated test. Found a mistake? Tell us.

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