Retirement Calculators
Required Minimum Distribution Calculator
Calculate the minimum amount you must withdraw from a tax-deferred retirement account this year, based on age and balance.
Required minimum distribution
$24,390
- Equivalent monthly income
- $2,032.52
- Estimated tax on the distribution
- $5,366
- Life expectancy factor
- 24.6
BalanceWithdrawal
How this calculator works
RMD = balance ÷ life expectancy factor
- factor
- the IRS uniform lifetime table divisor for your age
Important considerations
- Missing an RMD can trigger a significant penalty.
- Roth accounts are generally not subject to lifetime RMDs.
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- Roth IRA CalculatorRoth IRA balance from after-tax contributions.
Learn more
Terms used here
Frequently asked questions
Can I take more than the minimum?
Yes. The RMD is a floor, not a cap, though larger withdrawals increase the tax bill.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01