RMD (Required Minimum Distribution) Calculator
FinanceEstimate your required minimum distribution from a retirement account based on age and account balance.
Estimated Required Minimum Distribution
An estimated required minimum distribution, approximating the IRS Uniform Lifetime Table divisor. Always confirm the exact divisor from the current official IRS table for tax filing purposes.
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Frequently Asked Questions
What is a Required Minimum Distribution?
A Required Minimum Distribution is the minimum amount the IRS requires be withdrawn annually from most tax-deferred retirement accounts once the account owner reaches a certain age, ensuring the deferred taxes are eventually collected.
Why does the required distribution amount increase with age?
The IRS divisor used in the RMD formula decreases as age increases, reflecting a shorter expected remaining life span, which results in a progressively larger percentage of the account balance being required for distribution each year.
Is this calculator a substitute for the official IRS RMD table?
No, this provides an approximate estimate only. Always use the official current-year IRS Uniform Lifetime Table, or consult a tax professional, for the exact figure needed for actual tax compliance.
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