Retirement Income Planning
RMD Calculator
Project Required Minimum Distributions for any portfolio size and starting age, using the IRS Uniform Lifetime Table and the actual SECURE 2.0 RMD age for your birth year.
What is an RMD, in plain English?
When you save money in accounts like a traditional IRA or 401(k), the IRS lets you skip paying tax on it, for a while. But no tax benefit is free: it always comes with a rule attached. Once you reach a certain age, the IRS says: “It’s time to start taking some of that money out and paying tax on it.” The smallest amount you’re allowed to take out each year is called your Required Minimum Distribution, or RMD. You can always take out more if you want. You just can’t take out less.
Your information
Everything here is illustrative. Adjust freely.
About you
Your portfolio
Distribution settings
RMDs begin at age
75
Balance when RMDs begin
$844.7K
First-year RMD
$34.3K
Projected RMDs, age 75–89
Total projected distributions over this period: $750,706
Year-by-year schedule
| Year | Age | Start-of-year balance | Divisor | RMD amount | End-of-year balance |
|---|---|---|---|---|---|
| 1 | 75 | $844,739 | 24.6 | $34,339 | $859,025 |
| 2 | 76 | $859,025 | 23.7 | $36,246 | $872,145 |
| 3 | 77 | $872,145 | 22.9 | $38,085 | $884,104 |
| 4 | 78 | $884,104 | 22.0 | $40,187 | $894,553 |
| 5 | 79 | $894,553 | 21.1 | $42,396 | $903,286 |
| 6 | 80 | $903,286 | 20.2 | $44,717 | $910,083 |
| 7 | 81 | $910,083 | 19.4 | $46,912 | $914,962 |
| 8 | 82 | $914,962 | 18.5 | $49,457 | $917,435 |
| 9 | 83 | $917,435 | 17.7 | $51,832 | $917,539 |
| 10 | 84 | $917,539 | 16.8 | $54,615 | $914,699 |
| 11 | 85 | $914,699 | 16.0 | $57,169 | $908,982 |
| 12 | 86 | $908,982 | 15.2 | $59,801 | $900,131 |
| 13 | 87 | $900,131 | 14.4 | $62,509 | $887,879 |
| 14 | 88 | $887,879 | 13.7 | $64,809 | $872,455 |
| 15 | 89 | $872,455 | 12.9 | $67,632 | $853,112 |
Want the full picture, not just this number?
Run your Retirement Clarity Score to see how RMDs fit into your entire plan.
Important information
Educational illustration only, not tax or financial advice. RMD divisors come from the IRS Uniform Lifetime Table (Pub. 590-B, Table III), used by the large majority of account owners. RMD start ages follow the SECURE 2.0 Act: age 73 for owners born 1951–1959 and age 75 for owners born 1960 or later. The 72/75 start-age override is a hypothetical for planning purposes, not a claim that the IRS allows you to choose your start age. This tool assumes a constant rate of return, no contributions or withdrawals beyond the RMD itself, and does not account for taxes, IRMAA, state rules, the Joint Life and Last Survivor Table (for a spouse more than 10 years younger), or inherited-account rules. Consult a tax or financial advisor before acting.