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RMD Calculator
Estimate a required minimum distribution using age and prior year-end balance, then project future RMDs, cumulative withdrawals, and remaining retirement account balance.
RMD Calculator
Use this free RMD calculator to estimate your required minimum distribution from a retirement account using your age and prior year-end balance. You can also switch to projection mode to estimate future RMDs, account balance decline, and cumulative withdrawals across later retirement years. It works well alongside the Roth IRA Calculator, the Annuity Payout Calculator, and the wider Financial Calculators category.
Uniform Lifetime Table factor at age 75: 24.6.
This RMD calculator is built for standard planning. It does not handle inherited IRA rules, qualified charitable distributions, spouse age exceptions, or plan-specific administrative timing differences.
Result
RMD viewYour estimated current-year RMD is $20,325.20.
Current-year RMD$20,325.20
Monthly equivalent$1,693.77
Estimated after-tax RMD$15,853.66
Inflation-adjusted RMD$19,829.46
Distribution factor24.6
Projected ending balance$506,056.91
Age
75
Prior balance
$500,000.00
Expected return
5.5%
Cumulative RMDs
$21,443.09
RMD breakdown
$20,325.20
Current year RMD
$20,325.20 • 4%
Balance retained
$479,674.80 • 96%
RMD balances
Year-by-year view of account growth, required minimum distributions, and remaining balance using the Uniform Lifetime Table and your chosen return assumption.
| Age | Starting balance | Growth | RMD | Ending balance |
|---|---|---|---|---|
| 75 | $500,000.00 | $27,500.00 | $21,443.09 | $506,056.91 |
What is an RMD calculator?
An RMD calculator is a retirement-withdrawal planning tool that estimates the minimum amount a retirement account holder may need to withdraw each year after reaching the required age. The estimate is usually based on the prior year-end balance and an IRS life-expectancy factor.
This makes the tool useful for forecasting taxable retirement income, deciding how withdrawals could affect spending plans, and understanding how required distributions may change as age increases. For related retirement-income planning, compare the result with the Annuity Payout Calculator, the Social Security Calculator, and the Roth IRA Calculator.
How this calculator works
In current-year mode, the calculator takes your selected age and prior year-end account balance, finds the matching Uniform Lifetime Table factor, and divides the balance by that factor to estimate the year's RMD. It then shows a monthly equivalent, an after-tax estimate, and a simple inflation-adjusted view.
In projection mode, it repeats the same factor-based withdrawal logic year by year while also applying your expected annual return to the account balance before each withdrawal. That helps you estimate how required distributions and remaining account value may evolve later in retirement. For a broader spending comparison, continue into the Present Value Calculator or browse more Financial Calculators.
Worked example
The default example uses a retirement account balance of $500,000.00 at age 75, which makes it useful for QA and for checking how the RMD factor changes the required withdrawal amount.
Example inputs
Age75
Prior year-end balance$500,000.00
Expected return5.5%
End age90
Example result
In this example, a prior year-end retirement balance of $500,000.00 at age 75 produces an estimated RMD of $20,325.20. With projection mode extended through age 90, the tool also estimates cumulative withdrawals and the balance that may remain if the account continues earning the assumed return.
Frequently asked questions
An RMD calculator estimates your required minimum distribution based on your age and prior year-end retirement account balance. This version also projects future RMDs and ending balances using a simplified growth assumption.
Related financial tools
Continue from RMD planning into broader retirement-income, tax-free growth, and withdrawal comparisons with these related tools.
If you are comparing forced retirement withdrawals with other income sources, it can also help to review the Social Security Calculator, the Annuity Payout Calculator, and the Roth IRA Calculator before building a broader retirement-withdrawal plan.
Explore This Tool in Context
RMD Calculator is part of the Financial Calculators collection. If you want a broader view of similar workflows, open the Financial Calculators category page or browse all QuickTools categories.
Common next steps after this tool include Estate Tax Calculator, Social Security Calculator and Annuity Payout Calculator.
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