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RMD Calculator (SECURE 2.0 Updated)

Calculate your Required Minimum Distributions with updated SECURE 2.0 rules. Know your RMD start age, annual amounts, and tax implications.

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How to Use This Calculator

1

Enter Your Birth Year

This determines when you must start taking RMDs under SECURE 2.0 rules (age 73 or 75 depending on birth year).

2

Enter Your Account Balance

Use your December 31st balance from the previous year. This is what the IRS uses to calculate your RMD.

3

Select Your Account Type

Different account types have different RMD rules. Roth IRAs don't require RMDs during your lifetime.

4

Add Spouse Info (If Applicable)

If your spouse is your sole beneficiary and more than 10 years younger, you can use the Joint Life Table for smaller RMDs.

5

Review Your Results

See your RMD amount, tax implications, and 20-year projection of required withdrawals.

📋 SECURE 2.0 RMD Age Changes

Born 1950 or earlier

Age 72

Born 1951-1959

Age 73

Born 1960 or later

Age 75

⚠️ Penalty Alert

Missing an RMD results in a 25% penalty on the amount not withdrawn (reduced from 50% under SECURE 2.0). If corrected within 2 years, the penalty drops to just 10%.

Frequently Asked Questions

An RMD is the minimum amount you must withdraw annually from tax-deferred retirement accounts (Traditional IRA, 401(k), 403(b), etc.) once you reach a certain age. The IRS requires these withdrawals to ensure tax-deferred savings are eventually taxed. Your RMD is calculated by dividing your account balance (as of Dec 31 of the prior year) by the IRS life expectancy factor for your age.
Under SECURE 2.0, your RMD start age depends on birth year: born 1950 or earlier, age 72; born 1951-1959, age 73; born 1960 or later, age 75. This is a significant improvement from the original age 70.5 requirement, giving your money more time to grow tax-deferred before mandatory withdrawals begin.
No. Roth IRAs do not have RMDs during the owner's lifetime, making them a major advantage for tax-free growth. Roth 401(k)s also no longer have RMDs starting in 2024 thanks to SECURE 2.0. However, inherited Roth IRAs do have distribution requirements for non-spouse beneficiaries under the 10-year rule.
Under SECURE 2.0, the penalty was reduced from 50% to 25% of the amount not withdrawn. If you correct the mistake within 2 years (timely correction), the penalty drops to just 10%. This is a significant improvement from the previous harsh 50% excise tax on missed distributions.
RMDs are generally due by December 31st each year. For your first RMD only, you may delay until April 1st of the following year. Caution: delaying your first RMD means taking two RMDs in one year (the delayed first plus the current year's), which could push you into a higher tax bracket.
A QCD lets you donate up to $105,000 (2025 limit) directly from your IRA to a qualified charity if you are age 70.5 or older. The QCD satisfies your RMD but is excluded from taxable income. This is a powerful tax strategy for charitably inclined retirees, especially those who take the standard deduction and cannot otherwise deduct charitable gifts.
Divide your Dec 31 prior-year account balance by the IRS Uniform Lifetime Table factor for your age. Example: age 75 with $500,000 balance and factor 24.6 yields an RMD of $20,325. If your spouse is your sole beneficiary and more than 10 years younger, use the Joint Life Expectancy Table for a smaller required distribution.
Yes, you can always withdraw more than your RMD. However, excess withdrawals cannot be applied to future years' RMDs. Each year's RMD must be calculated and satisfied independently. All withdrawals from traditional accounts are taxed as ordinary income regardless of whether they exceed the required minimum.

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