RMD Calculator
Divide an account balance by the Uniform Lifetime Table factor for the age you type. Ages 72 to 120. Informational, not tax advice.
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How to sketch an RMD
- Enter the account balance you want to test.
- Enter age as a whole number from 72 to 120.
- Read the RMD sketch, life-expectancy factor, and formula row.
- Confirm real deadlines and exceptions with a tax professional. This page is not tax advice.
Required minimum distribution sketch
Balance divided by Uniform Lifetime Table factor
| Formula | RMD = balance / factor |
|---|---|
| Table | IRS Uniform Lifetime Table (2022 final regs) |
| Age range | 72 to 120 on this page |
| Example | 246000 / 24.6 = 10000 at age 75 |
| Omitted | Spousal exceptions, inherited IRAs, Secure Act start ages |
| Advice | Informational. Not tax advice. |
What this RMD page sketches
A required minimum distribution is often estimated as prior year-end balance divided by a life-expectancy factor. This page uses the IRS Uniform Lifetime Table factors embedded in the engine for ages 72 through 120. It does not decide when RMDs start under current law for your situation.
Formulas used
RMD sketch = balance / factor, where factor comes from the Uniform Lifetime Table entry for the typed age. The page also echoes the factor, balance, and age used.
Related money pages
Traditional IRA-style growth is on traditional IRA. Roth growth sketches sit on Roth IRA. A fixed withdrawal over a chosen term is on annuity payout.
Use cases
Rough the Uniform Lifetime Table division for a balance and age. Compare ages by changing the age field. Not a substitute for Form 1099-R instructions or a tax filing.
Worked example
Balance $246,000 at age 75. The Uniform Lifetime factor used here is 24.6. RMD sketch = 246000 / 24.6 = $10,000.
Limits
No spousal sole-beneficiary table, inherited IRA rules, or Secure Act start-age logic. Ages under 72 are rejected on this page. Informational, not tax advice. See the disclaimer.