Required Minimum Distribution (RMD) Calculator
Compute annual RMD using prior December 31 account balance and the IRS distribution period factor.
Configure your scenario
Enter account balance, IRS factor, and withholding rate to estimate your RMD.
$650,000
$24,528
$22,075
Age 73
Detailed estimate
Category view
Browse US departments
Step back from one calculator and browse the full federal, payroll, property, and state map.
Homepage cluster
US tax home
Return to the main US hub for guided paths across paycheck, self-employed, and homeownership tools.
Cross-market switch
Pakistan calculators
Need FBR, withholding, or Pakistan filing tools? Jump to the Pakistan-side calculator system.
RMD - quick answers
Why do I manually enter the distribution period factor?+
Different tables and beneficiary cases can apply. Entering the official IRS factor keeps the result aligned with your exact situation.
What if this is my first RMD year?+
The first RMD can often be delayed until April 1 of the following year, but then two RMDs may occur in that same calendar year.
Official references
Sources & Act Reference
RMD calculation references
Annual balance basis
RMD uses account value as of the prior year-end date.
Life-expectancy divisor
Applicable IRS table factor determines the distribution minimum for the year.
Rule Trace
Applied rule and official references
Applied rule: RMD = prior Dec 31 balance / applicable IRS life-expectancy factor
Official quick links
Compliance checklist
Confirm account type, spouse-beneficiary status, inherited-account rules, and first-RMD deadline before distribution.
Smart Insight
Estimated annual RMD is $24,528 for age 73.
Keep your US tax path moving
401(k) calculator
Anchor the retirement path with contribution planning first.
Roth IRA calculator
Compare account types before modeling distributions or taxes.
Retirement withdrawal
Close the loop by testing how savings turn into taxable income.