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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.

Tax / distribution year

Account treatment

Age at year end

Prior December 31 account balance ($)

Distributions already taken this year ($)

Sole beneficiary is a spouse more than ten years younger?

Spouse age at year end

Custodian-confirmed inherited method

Custodian-confirmed current-year factor

Owner death year

Owner died before required beginning date?

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.

IRS Publication 590-B: distributions and life-expectancy tables

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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.