Required Minimum Distribution Calculator
Use this calculator to determine your Required Minimum Distribution (RMD) from a traditional 401(k) or IRA. In general, you must begin withdrawing money by April 1 of the year following the year that you turn 70 and a half.
In general, your age and account value determine the amount you must withdraw. Note that taxes may be due on distributions from a traditional IRA or 401(k). Do not include balances from a Roth IRA or 401(k).
Note: Users whose primary beneficiary is a spouse more than 10 years younger must use the Joint Life Expectancy Table in IRS Publication 590 , which will generally produce lower required distributions.
Age | Divisor | Balance | Withdrawal |
| 50 | 34.2 | 100,000.00 | 2,923.98 |
| 51 | 33.2 | 102,900.58 | 3,099.42 |
| 52 | 32.2 | 105,789.24 | 3,285.38 |
| 53 | 31.2 | 108,654.09 | 3,482.50 |
| 54 | 30.2 | 111,481.88 | 3,691.45 |
| 55 | 29.2 | 114,257.86 | 3,912.94 |
| 56 | 28.2 | 116,965.61 | 4,147.72 |
| 57 | 27.2 | 119,586.97 | 4,396.58 |
| 58 | 26.2 | 122,101.81 | 4,660.37 |
| 59 | 25.2 | 124,487.92 | 4,940.00 |
| 60 | 24.2 | 126,720.80 | 5,236.40 |
| 61 | 23.2 | 128,773.47 | 5,550.58 |
| 62 | 22.2 | 130,616.26 | 5,883.62 |
| 63 | 21.2 | 132,216.61 | 6,236.63 |
| 64 | 20.2 | 133,538.77 | 6,610.83 |
| 65 | 19.2 | 134,543.62 | 7,007.48 |
| 66 | 18.2 | 135,188.31 | 7,427.93 |
| 67 | 17.2 | 135,426.00 | 7,873.60 |
| 68 | 16.2 | 135,205.54 | 8,346.02 |
| 69 | 15.2 | 134,471.09 | 8,846.78 |
| 70 | 14.2 | 133,161.77 | 9,377.59 |
| 71 | 13.2 | 131,211.23 | 9,940.24 |
| 72 | 12.2 | 128,547.24 | 10,536.66 |
| 73 | 11.2 | 125,091.22 | 11,168.86 |
| 74 | 10.2 | 120,757.70 | 11,838.99 |
| 75 | 9.2 | 115,453.83 | 12,549.33 |
| 76 | 8.2 | 109,078.77 | 13,302.29 |
| 77 | 7.2 | 101,523.07 | 14,100.43 |
| 78 | 6.2 | 92,668.00 | 14,946.45 |
| 79 | 5.2 | 82,384.85 | 15,843.24 |
| 80 | 4.2 | 70,534.10 | 16,793.83 |
| 81 | 3.2 | 56,964.68 | 17,801.46 |
| 82 | 2.2 | 41,513.01 | 18,869.55 |
| 83 | 1.2 | 24,002.07 | 20,001.72 |
| 84 | 0.2 | 4,240.37 | 21,201.83 |