Required Minimum Distribution Calculator
Estimate the distribution required from one retirement account using its prior December 31 balance and the applicable IRS life-expectancy table. Compare the annual amount with withdrawals already taken. Owner traditional and Roth IRAs are handled separately; inherited-account calculations require your custodian’s confirmed distribution method and current-year factor.
Your scenario
Enter your own numbers or load the worked example. Values are calculated in this browser and are not saved.
Your estimate
Complete the scenario to see a result, its breakdown and limitations.
Next steps
Check the assumptions with your records before making a decision. Related calculators can help compare the next part of your plan.
How the estimate works
Divide the prior year-end balance by the IRS divisor, then subtract qualifying withdrawals already taken. Table III applies to most owners; Table II applies to a sole-beneficiary spouse more than ten years younger. Inherited factors are supplied by the custodian because beneficiary and death-year rules differ.
Worked example
At age 75, $246,000 divided by 24.6 gives a $10,000 full-year owner RMD before withdrawals.
Sources and review scope
Source comparison: 2026-09-23. Methodology owner: Toolistify. Implementation reviewed through automated source checks and regression tests; this is not professional tax, legal, benefits or financial certification.
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Questions and answers
Can I use this for an inherited IRA?
Yes, with the distribution method and current-year divisor confirmed by your custodian. The calculator does not determine eligible-designated-beneficiary status.
Does an owner Roth IRA need an RMD?
No lifetime owner RMD is modeled. Inherited Roth IRAs have different rules.