RMD Calculator
Once a person reaches the age of 72, the IRS requires retirement account holders to withdraw a minimum amount of money each year – this amount is referred to as the Required Minimum Distribution (RMD). This calculator calculates the RMD depending on your age and account balance. The calculations are based on the IRS Publication 590-B, so the calculator is intended for residents of the United States only.
ResultYour RMD for 2022 is $8,130.08. The distribution period for your case is: 24.6.
If you only withdraw the RMD at the end of each year and your return rate is 5% per year, your future account balance and RMDs will look like the following. | ||||||||
| Year | Your Age | Distribution period | RMD | End of Year Balance |
| 2022 | 75 | 24.6 | $8,130.08 | $201,869.92 |
| 2023 | 76 | 23.7 | $8,517.72 | $203,445.70 |
| 2024 | 77 | 22.9 | $8,884.09 | $204,733.89 |
| 2025 | 78 | 22 | $9,306.09 | $205,664.50 |
| 2026 | 79 | 21.1 | $9,747.13 | $206,200.59 |
| 2027 | 80 | 20.2 | $10,207.95 | $206,302.67 |
| 2028 | 81 | 19.4 | $10,634.16 | $205,983.65 |
| 2029 | 82 | 18.5 | $11,134.25 | $205,148.58 |
| 2030 | 83 | 17.7 | $11,590.32 | $203,815.69 |
| 2031 | 84 | 16.8 | $12,131.89 | $201,874.59 |
| 2032 | 85 | 16 | $12,617.16 | $199,351.16 |
| 2033 | 86 | 15.2 | $13,115.21 | $196,203.51 |
| 2034 | 87 | 14.4 | $13,625.24 | $192,388.44 |
| 2035 | 88 | 13.7 | $14,042.95 | $187,964.91 |
| 2036 | 89 | 12.9 | $14,570.92 | $182,792.23 |
| 2037 | 90 | 12.2 | $14,982.97 | $176,948.87 |
| 2038 | 91 | 11.5 | $15,386.86 | $170,409.46 |
| 2039 | 92 | 10.8 | $15,778.65 | $163,151.28 |
| 2040 | 93 | 10.1 | $16,153.59 | $155,155.25 |
| 2041 | 94 | 9.5 | $16,332.13 | $146,580.88 |
| 2042 | 95 | 8.9 | $16,469.76 | $137,440.16 |
| 2043 | 96 | 8.4 | $16,361.92 | $127,950.25 |
| 2044 | 97 | 7.8 | $16,403.88 | $117,943.88 |
| 2045 | 98 | 7.3 | $16,156.70 | $107,684.38 |
| 2046 | 99 | 6.8 | $15,835.94 | $97,232.66 |
| 2047 | 100 | 6.4 | $15,192.60 | $86,901.69 |
| 2048 | 101 | 6 | $14,483.61 | $76,763.16 |
| 2049 | 102 | 5.6 | $13,707.71 | $66,893.61 |
| 2050 | 103 | 5.2 | $12,864.16 | $57,374.13 |
| 2051 | 104 | 4.9 | $11,709.01 | $48,533.83 |
| 2052 | 105 | 4.6 | $10,550.83 | $40,409.69 |
| 2053 | 106 | 4.3 | $9,397.60 | $33,032.57 |
| 2054 | 107 | 4.1 | $8,056.73 | $26,627.48 |
| 2055 | 108 | 3.9 | $6,827.56 | $21,131.29 |
| 2056 | 109 | 3.7 | $5,711.16 | $16,476.70 |
| 2057 | 110 | 3.5 | $4,707.63 | $12,592.90 |
| 2058 | 111 | 3.4 | $3,703.80 | $9,518.75 |
| 2059 | 112 | 3.3 | $2,884.47 | $7,110.22 |
| 2060 | 113 | 3.1 | $2,293.62 | $5,172.11 |
| 2061 | 114 | 3 | $1,724.04 | $3,706.68 |
| 2062 | 115 | 2.9 | $1,278.17 | $2,613.85 |
| 2063 | 116 | 2.8 | $933.52 | $1,811.02 |
| 2064 | 117 | 2.7 | $670.75 | $1,230.83 |
| 2065 | 118 | 2.5 | $492.33 | $800.04 |
| 2066 | 119 | 2.3 | $347.84 | $492.20 |
| 2067 | 120 | 2 | $246.10 | $270.71 |