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

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).

Enter Your Account Balance

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

Select Your Account Type

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

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.

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Missing an RMD results in a 25% penalty on the amount not withdrawn (reduced from 50% under SECURE 2.0).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 from your tax-deferred retirement accounts (Traditional IRA, 401(k), 403(b), etc.) each year once you reach a certain age. The IRS requires these withdrawals to ensure that tax-deferred savings are eventually taxed. The amount is calculated by dividing your account balance by your life expectancy factor.