# RMD Calculator

> Estimate your required minimum distribution from a traditional IRA, SEP IRA, SIMPLE IRA, or traditional 401k using the IRS Uniform Lifetime Table effective for distribution years beginning on or after January 1, 2022. Works as an RMD calculator, required minimum distribution calculator, IRA RMD calculator, 401k RMD calculator, retirement distribution calculator, RMD table calculator, and minimum withdrawal calculator, with a reference for the life expectancy factor at each age.

**URL:** https://www.calculatoranswers.com/rmd-calculator
**Category:** Money

## Quick Answer

Calculate your Required Minimum Distribution (RMD) for tax-deferred retirement accounts. Enter your age and prior year-end account balance to find the IRS-mandated withdrawal amount.

## Definition

An RMD calculator (Required Minimum Distribution) is a financial planning utility designed to determine the minimum amount an individual must withdraw annually from their tax-deferred retirement accounts, such as traditional IRAs, 401(k)s, SEP IRAs, and SIMPLE IRAs. The calculator computes the distribution by dividing the account balance on December thirty-first of the preceding year by the life expectancy factor corresponding to the account owner's age, as defined by the IRS Uniform Lifetime Table. Retirement savers and financial planners use this tool to ensure IRS compliance and avoid substantial tax penalties.

## How to Use

1. **Enter your age** — Type your age as of December 31 of the distribution year into the input field.
2. **Enter account balance** — Input the total balance of your retirement account as of December 31 of the previous year.
3. **Read your RMD** — View the calculated minimum distribution amount, the IRS life expectancy factor used, and the distribution table.

## Disclaimer

This calculator provides estimates for educational and planning purposes. Always consult a qualified professional for specific advice on financial, medical, legal, or other regulated decisions.

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