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Required Minimum Distribution Calculator

Estimate this year's required withdrawal from a traditional IRA or 401(k), see how it's projected to change over time, and check it against your other retirement income.

Your info

Birth year

Account balance (Dec 31 prior year)

Spouse is sole beneficiary & 10+ years youngerEstimate
Uses an estimated Joint Life and Last Survivor Table divisor, calibrated to published reference points — not a full transcription of IRS Publication 590-B, Table II. Verify the exact figure there before filing.

Auto-calculated

RMD start age — from the SECURE 2.0 rule (73 for birth years 1951–1959, 75 for 1960 and later)

Required withdrawal this year

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RMD start age

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Uniform lifetime divisor

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Required withdrawal, projected forward

Projects your required withdrawal year by year as both your age (and its divisor) and your balance change. Assumes the balance remaining after each withdrawal grows 5% a year — a simplifying assumption, not a forecast.

Combined retirement income

RMD withdrawal ($/mo)

Social Security benefit ($/mo)

Other withdrawals ($/mo)

Total monthly / yearly income

$0/mo

This tool doesn't calculate your Social Security benefit — enter the amount from the simulator's Social Security section (or your own statement) here. RMD, Social Security, and other withdrawals are simply added together, with no offset between them.

What if you withdraw more than required?

Extra withdrawal amount (this year, on top of the RMD)

Filing status

Enter an extra withdrawal amount to see how it affects this year's tax bracket and next year's required withdrawal.

Tax estimate uses only the 2026 federal brackets and standard deduction for the filing status selected, with no other income — a simplification, not tax advice. Consult a tax professional for your actual bracket.

Note

Missing your RMD, or withdrawing less than required, triggers an IRS excise tax penalty. Read more on the Final Stretch blog →

Note

A qualified charitable distribution (QCD) sends your RMD directly to charity without it counting as taxable income. Read more on the Final Stretch blog →

Not financial, tax, or investment advice. This is an educational estimate built from simplified assumptions and the current IRS Uniform Lifetime Table. Required minimum distribution rules are complex and change; confirm your actual RMD and any tax impact with a qualified tax professional or financial advisor before acting.