📊 Money & Work

RMD Age Calculator

Find your Required Minimum Distribution (RMD) starting age and estimate your annual RMD amount using the IRS Uniform Lifetime Table. Updated for SECURE 2.0 Act (2023+).

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RMD Start Age (SECURE 2.0)
—
This Year's RMD ($)
—Distribution Period (IRS Table)
—First RMD Due
—% of Balance to Withdraw

IRS Uniform Lifetime Table (selected ages)

Educational estimate only. RMD rules are complex and depend on account type, beneficiary designations, and other factors. Consult a tax professional or financial advisor. Source: IRS Publication 590-B.

What is an RMD?

A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw from certain tax-deferred retirement accounts each year, starting at a specific age. The rules apply to Traditional IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans (401k, 403b, 457b).

SECURE 2.0 Act changes (effective 2023–2033):

  • Born 1951–1959: RMD age is 73
  • Born 1960 or later: RMD age is 75 (effective 2033)
  • Born before 1951: RMD age was 72 (already started)
  • Roth IRAs: not subject to RMDs during the owner's lifetime

How RMDs are calculated

Formula: Account Balance ÷ Distribution Period

1
Find your account balance as of December 31 of the prior year.
2
Look up your distribution period factor from the IRS Uniform Lifetime Table using your age in the current year.
3
Divide balance by factor: $500,000 ÷ 26.5 (age 72) = $18,868 RMD.
4
This amount must be withdrawn (and is taxable as ordinary income) by December 31 of the current year. First-year RMD may be deferred until April 1 of the following year.

Sources

  1. IRS. "Publication 590-B: Distributions from Individual Retirement Arrangements (IRAs)." 2024.
  2. IRS. "Retirement Topics — Required Minimum Distributions (RMDs)." IRS.gov, 2024.
  3. SECURE 2.0 Act of 2022, Division T of P.L. 117-328, enacted December 29, 2022.