RMD Calculator 2025
Calculate your Required Minimum Distribution (RMD) from traditional IRA, 401(k), and other tax-deferred retirement accounts based on IRS tables.
Calculator Inputs
Your RMD Results
Important Reminders
- • RMD deadline: December 31, 2025
- • First-time RMD can be delayed until April 1, 2026
- • Penalty for missing RMD: 25% of required amount
- • You can withdraw more than the minimum
Future RMD Projections
| Age | Year | Account Balance | Distribution Period | RMD Amount |
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Frequently Asked Questions
A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw annually from tax-deferred retirement accounts like traditional IRAs and 401(k)s, starting at age 73.
You must begin taking RMDs by April 1st of the year after you turn 73. For subsequent years, you must take your RMD by December 31st.
The penalty for missing an RMD is 25% of the amount you should have withdrawn. If corrected within two years, the penalty may be reduced to 10%.
Yes, RMDs are minimums, not maximums. You can withdraw more than the required amount if needed.
No, Roth IRAs do not require RMDs during the original owner's lifetime. However, inherited Roth IRAs may have RMD requirements.
Your RMD is calculated by dividing your account balance as of December 31st of the previous year by your life expectancy factor from IRS tables.
If your spouse is your sole beneficiary and more than 10 years younger, you use the Joint Life and Last Survivor Expectancy Table, which typically results in lower RMDs.
No, you cannot put RMD funds back into tax-advantaged retirement accounts. However, you can invest the after-tax proceeds in taxable accounts.
Disclaimer
This calculator is for educational and estimation purposes only and does not constitute tax or financial advice. Actual RMD amounts may vary based on individual circumstances. We recommend consulting with a qualified tax professional or financial advisor. Calculation results are based on current IRS regulations, and future regulatory changes may affect RMD requirements.