Required Minimum Distribution Calculator
Estimate your projected RMD amounts based on current IRS life expectancy tables and your account balance
Using 2026 IRS DataSECURE 2.0 Compliant
First RMD Year
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First RMD Amount
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Peak RMD Amount
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Your Information
Your age today. RMDs begin at age 75 under SECURE 2.0 Act rules.
Total balance in traditional IRA and 401(k) accounts. This determines your RMD amount.
Expected annual investment returns. Historical average for balanced portfolios is 5-7%.
Your estimated federal marginal tax rate. Most retirees fall between 22-32%.
The type of retirement account affects RMD rules and penalty calculations.
Important: Failure to take RMDs results in a 25% excise tax on the amount not distributed (reduced to 10% if corrected within 2 years). This calculator uses the SECURE 2.0 Act rules (RMD start age 75 for those born 1960+).
Year-by-Year Projections
| Year | Age | Balance (Start) | RMD | Tax on RMD | After-Tax Distribution | Balance (End) |
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RMD Distribution Timeline
Account Balance Projection
Total Lifetime RMDs
$0
Total Taxes Paid
$0
Balance at Age 95
$0