RMD Calculator
Required Minimum Distributions · Updated 2026
Understanding RMDs
Required Minimum Distributions (RMDs) are mandatory withdrawals from tax-deferred retirement accounts like Traditional IRAs and 401(k)s. The IRS requires you to start withdrawing at age 73 (70½ for those born before July 1, 1949). The amount is calculated by dividing your account balance by a life expectancy factor from the IRS Uniform Lifetime Table.
RMDs are taxed as ordinary income. Large RMDs can push you into higher tax brackets and may trigger IRMAA surcharges on Medicare Part B premiums. Strategic Roth conversions before RMDs begin can help manage these tax impacts.
Frequently Asked Questions
How is rmd calculator calculated?
The formula is: RMD = Account Balance ÷ Life Expectancy Factor. Enter your values above and click Calculate to see your personalized result instantly. The SECURE Act 2.0 raised the RMD starting age to 73. Each year, you divide your December 31 balance by your age-based life expectancy factor from the IRS Uniform Lifetime Table. The factor…
What inputs do I need for the rmd calculator?
You need: Account Balance, Current Age. Default values are pre-filled — adjust them to match your personal finances for a customized result.
Is the rmd calculator free to use?
Yes — all TorchFI calculators are completely free. No registration, no email required. Calculations run entirely in your browser for maximum privacy. We never see or store your financial data.
How does the rmd calculator help with FIRE planning?
Calculate your Required Minimum Distribution (RMD) from tax-deferred retirement accounts using the IRS Uniform Lifetime Table. See how much you must withdraw each year starting at age 73. This calculator helps you make data-driven decisions about your financial independence journey instead of relying on guesswork.