Tax and Planning Calculators
RMD Calculator
RMD Calculator calculate a required minimum distribution from prior year-end balance using the IRS Uniform Lifetime Table or a user-supplied divisor, with Roth owner handling.
Tax and Planning Calculators
RMD Calculator
Calculate a required minimum distribution from prior year-end balance using the IRS Uniform Lifetime Table or a user-supplied divisor, with Roth owner handling.
Formula
RMD = prior December 31 balance / applicable life-expectancy divisor. Uniform Table III divisors cover ages 72-120+; selected Roth owner accounts return zero owner-lifetime RMD.
About the RMD Calculator
Calculate a required minimum distribution from prior year-end balance using the IRS Uniform Lifetime Table or a user-supplied divisor, with Roth owner handling. Tax and planning calculators estimate a named scenario from the entered income, contribution, benefit, rate, timing, or jurisdiction assumptions.
How the RMD Calculator Works
RMD = prior December 31 balance / applicable life-expectancy divisor. Uniform Table III divisors cover ages 72-120+; selected Roth owner accounts return zero owner-lifetime RMD.
The calculation runs in your browser. Submitted values are validated for the required numeric range, data shape, units, and method-specific restrictions before a result is shown.
Required Inputs
- Account type (required) Options: Traditional/pre-tax owner account, Roth IRA/designated Roth owner account
- Age in distribution year (required)
- Prior December 31 balance (required)
- Life-expectancy table (required) Options: IRS Uniform Lifetime Table, Custom divisor for another applicable table
- Custom divisor (optional)
Results Reported
The result panel shows the final answer together with the intermediate quantities needed to audit the calculation. Depending on this method, reported values include:
account_typeage_in_distribution_yearprior_year_end_balancetable_methodlife_expectancy_divisorrequired_minimum_distributionrmd_percent_of_balancegeneral_owner_lifetime_rmdmonthly_equivalentbalance_after_rmd_before_growthrule_note
RMD Calculator Example
Use the example data button, calculate, then review the result table, formula, and worked solution before using the answer.
| Input | Example value |
|---|---|
| Account type | traditional_pretax |
| Age in distribution year | 73 |
| Prior December 31 balance | 265000 |
| Life-expectancy table | uniform |
| Custom divisor | 0 |
How to Use the Calculator
- Confirm that the calculator title and method match the quantity, test, conversion, or planning question you need to solve.
- Enter values with compatible units and the requested sample, group, matrix, count, date, or option format.
- Select Example Data to inspect a valid input layout, or enter your own values and select Calculate.
- Review the result table, formula, worked substitutions, warnings, and interpretation rather than using only the headline number.
- Use Copy Result or Download CSV when you need a reusable record of the displayed calculation.
Understanding the Result
Tax rules and thresholds can change and personal circumstances vary, so confirm important decisions with current official guidance or a qualified adviser.
Keep the entered values, units, selected options, and any warning shown beside the result. For a hypothesis test, report the statistic, degrees of freedom where applicable, p-value, alpha level, effect size, and decision. For an estimate or conversion, report the formula convention and final unit.
Accuracy and Limitations
The calculator keeps full browser precision during calculation and rounds only for display. Accuracy still depends on correct inputs and on whether the displayed model represents the real problem. Educational calculators cannot replace required professional review, current official rules, field measurements, laboratory methods, or specialist statistical software where those are necessary.
Frequently Asked Questions
What does the RMD Calculator calculate?
Calculate a required minimum distribution from prior year-end balance using the IRS Uniform Lifetime Table or a user-supplied divisor, with Roth owner handling.
Which formula does the RMD Calculator use?
RMD = prior December 31 balance / applicable life-expectancy divisor. Uniform Table III divisors cover ages 72-120+; selected Roth owner accounts return zero owner-lifetime RMD.
Is this a separate calculator?
Yes. This page has its own public URL, inputs, formula notes, browser function, fixture, and worked solution.
What should I verify before using the answer?
Check the entered values, units, selected options, formula convention, warnings, and result interpretation shown on this calculator page.