Retirelens Calculator

What are my Required Minimum Distributions?

Estimate your annual RMD amounts and account balance year-by-year using IRS Uniform Lifetime Tables. See your total projected distributions and how your balance declines over time.

RMD schedule

This year's RMD

$18,868

IRS divisor: 26.5. Withdrawal rate: 3.77%. RMD required beginning age: 73.

Total projected RMDs

$689K

Required beginning age

Your account details

Current age

Birth year

Plan through age

Prior year-end balance

Account type

Annual return on balance5%

Account balance over time

Annual RMD amounts

What this means

Based on a prior year-end balance of $500,000 and birth year 1952, your RMD required beginning age is 73. Your first-year IRS divisor is 26.5, producing an RMD of $18,868.

RMD amounts increase as a percentage of balance each year because the divisor decreases with age. Total projected RMDs over the planning horizon: $688,821.

This is an estimate using the IRS Uniform Lifetime Table. Consult a tax advisor for spousal beneficiary exceptions and inherited account rules.

Plan more than your portfolio

Your finances are one lens. A confident retirement also needs clarity on health, purpose, relationships, and legacy — the same pillars we use across Retirelens.

Financial Readiness

Know where you stand and what to do next with your money.

74% of planners reported satisfaction with retirement income vs. 43% of non-planners (Goldman Sachs)

Health & Wellness

Secure solid coverage, stay ahead with preventive care and healthy habits a staple.

68% of adults ages 50–64 said they were concerned that federal policy changes could affect their health insurance coverage. (University of Michigan)

Lifestyle & Purpose

Shape days you look forward to, with steps to get there.

Research shows that a stronger sense of purpose is associated with lower mortality risk among adults over age 50. (American Medical Association)

Social Connections

Strengthen relationships and build a support circle.

A longitudinal study of adults aged 65+ found that older adults with more diverse social networks had a lower risk of death and better cognitive and physical function than those with less diverse networks. (Chico Health Aging Project)

Legacy Planning

Organize your assets and document so your family isn't left guessing.

Without a proper estate plan, more than half of families experience disputes or have assets end up under court control. (LegalShield)

How this calculator works

Each year, the starting balance is divided by the IRS Uniform Lifetime Table divisor for that age to produce the RMD. The remaining balance then grows at the selected annual return to produce next year's starting balance.

Required beginning age is determined by birth year under current SECURE 2.0 rules: age 72 (born ≤1950), age 73 (born 1951–1959), age 75 (born ≥1960).

Help

Frequently asked questions

Straight answers to common questions about this calculator.