RMD Calculator Pro
Required Minimum Distribution Calculator
Use our updated 2025 RMD tool to calculate mandatory withdrawals from your IRA or 401(k). Accurate, secure, and compliant with SECURE Act 2.0.
Required Distribution Amount
What is an RMD?
Your Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw from your retirement accounts (like Traditional IRAs and 401(k)s) each year once you reach a certain age (currently 73). Failure to take this withdrawal can result in penalties.
How is RMD Calculated?
The RMD is calculated by dividing your tax-deferred retirement account balance as of December 31 of the prior year by a life expectancy factor published by the IRS. Our tool uses the updated Uniform Lifetime Table to ensure accuracy.
Why use this RMD Tool?
This professional calculator is designed to help retirees plan their finances. It includes features like PDF export, tax estimation, and historical tracking, making it easier to discuss your strategy with a financial advisor.