Formula and calculation method
Required minimum distribution = eligible prior year-end account balance / applicable official divisor.
US retirement account calculation. Enter the official divisor for your age, beneficiary situation and tax year. This tool does not determine whether an RMD is required.
How to use rmd calculator
- Set Principal / amount. The example below uses 100000.
- Set Official distribution-period divisor. The example below uses 26.5.
- Select Calculate to update the result. Reset restores the illustrated inputs. Copy, print or download your own result if you need a record.
Worked example
Example inputs
- Principal / amount
- 100000
- Official distribution-period divisor
- 26.5
- Distribution estimate
- 3,773.58490566
Factors affecting your result
US retirement account calculation. Enter the official divisor for your age, beneficiary situation and tax year. This tool does not determine whether an RMD is required.
Changing principal / amount changes the scenario being evaluated. Adjust one input at a time when comparing results, keep a copy of the assumptions, and compare values using the same unit and period. A precise arithmetic result does not make an uncertain assumption precise.
Frequently asked questions
How does the rmd calculator work?
Required minimum distribution = eligible prior year-end account balance / applicable official divisor.
What inputs does RMD Calculator need?
Enter principal / amount, official distribution-period divisor. Choose values that correspond to the same situation and measurement convention.
How should I interpret the rmd calculator result?
US retirement account calculation. Enter the official divisor for your age, beneficiary situation and tax year. This tool does not determine whether an RMD is required.
Are my rmd calculator inputs uploaded?
No. The calculation runs in this browser. Favorites, recent tool names, theme and formatting preferences may be saved locally, but calculation inputs are not sent to a calculation server or stored by this website. Shared links do not include entered values.
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