Required minimum distributions for your IRA
Enter your birth year and IRA balance to get an instant estimate of this year's required minimum distribution, based on current IRS rules.
This calculator provides an educational estimate only and is not tax, legal, or financial advice. It uses the IRS Uniform Lifetime Table (unchanged since 2022) and current SECURE 2.0 age rules. Your actual RMD may differ based on your specific accounts and beneficiary designations — consult a licensed tax or financial professional. Table data as of August 2026.
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See If This Fits Your PlanTraditional, SEP, and SIMPLE IRAs are all subject to required minimum distributions once you reach your RMD age (73 or 75, depending on your birth year under SECURE 2.0). Your RMD is calculated by dividing your account balance as of December 31 of the prior year by the applicable IRS life expectancy factor.
Unlike 401(k)s, IRA RMDs can be aggregated — if you own multiple traditional IRAs, you can calculate each one's RMD separately, then withdraw the total from any one IRA or combination of them.
Traditional, SEP, and SIMPLE IRAs all require RMDs starting at your RMD age. Roth IRAs do not require RMDs for the original owner during their lifetime.
No, Roth IRAs are exempt from RMDs during the original owner's lifetime. Inherited Roth IRAs may have different rules.
Yes. If you own multiple traditional IRAs, you can calculate the RMD for each and withdraw the combined total from any one or more of them.
If you inherited an IRA, different distribution rules apply, generally based on the IRS Single Life Expectancy Table or the 10-year rule, depending on your beneficiary status.