Retirement Income Tools BETA

Required Minimum Distribution Calculator

Figure out what you have to take out of an IRA each year, whether it's your own account or one you inherited. Uses the current IRS life expectancy tables and the SECURE and SECURE 2.0 rules.

Your account

Account type

Balance on Dec 31 of last year

Your birthdate

Start year optional

Leave blank and we'll start this year, or at your first RMD year if that's later.

Assumed annual return for projections

My spouse is my sole beneficiary

Only matters if your spouse is more than 10 years younger than you.

Spouse birthdate

Projected RMDs and balance

RMD Year end balance

Year by year schedule

Year	Age	IRS table	Divisor	RMD	Balance

Your first RMD is due by April 1 of the year after you hit your RMD age. Every one after that is due by December 31. Delaying the first one means taking two in the same tax year.

The inherited account

Account type

Balance on Dec 31 of last year

Your relationship to the original owner

How are you treating it?

Your birthdate

Owner's date of death

Owner's birthdate recommended

Lets us figure out whether the owner had started RMDs and apply the older owner rule.

Had the owner started taking RMDs?

Assumed annual return for projections

Years to show

Required distributions and balance

Required Year end balance

Year by year schedule

Year	Your age	Divisor	Required	Balance	What applies

These are minimums. Under the 10 year rule you can always take more, and spreading withdrawals out is often smarter for taxes than waiting until the final year. This output is growth optimized, not tax optimized.

RMDs are a tax problem and a portfolio problem

Knowing the number is the easy part.

The hard part is deciding which assets to sell, when to do Roth conversions or QCDs, and how to keep your near term income safe from a bad market. We'll build a plan around your actual timeline. No pressure and no sales pitch.

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