Updated 2026-03-30

RMD Calculator

Calculate your annual and monthly Required Minimum Distribution using the IRS Uniform Lifetime Table

Required Minimum Distributions (RMDs) are mandatory annual withdrawals from Traditional 401(k) and IRA accounts starting at age 73 (born 1951-1959) or 75 (born 1960+). The penalty for missing an RMD is 25% of the amount not withdrawn.

How RMDs Are Calculated

Step 1: Find your prior-year December 31 account balance
Step 2: Look up your age-based divisor from the IRS Uniform Lifetime Table
Step 3: Divide balance by divisor to get your annual RMD

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-30