RMD Calculator
RMD Calculator calculates RMD estimate; divisor/table used; monthly equivalent. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
Inputs
RMD CalculatorResults
Adjust the inputs, then use the primary action. The result will appear here.
What this calculator answers
RMD Calculator calculates RMD estimate; divisor/table used; monthly equivalent. Enter your assumptions above to get the primary answer first, followed by supporting metrics and detail where useful.
How this calculation works
This tool uses age/birth date; account balance; spouse age/beneficiary table where applicable; tax year. It returns RMD estimate; divisor/table used; monthly equivalent. Headline results, charts, schedules, comparisons and exports are generated from the same normalized calculation state.
Worked example
Estimated RMD: 20,325.2 • Uniform Lifetime divisor: 24.6 • Monthly equivalent: 1,693.77
Assumptions
Unless the tool says otherwise, rates are annual percentages, currency inputs are denominations rather than automatic FX conversions, and projections are mathematical models rather than guarantees. Typed values remain authoritative even outside normal slider ranges.
Limitations
Rules, limits, fees and tax calculations require a current versioned source package. When a source is stale or unavailable, the tool uses a truthful unavailable/manual state instead of pretending old data is current.
Sources & review
- IRS Publication 590-B Uniform Lifetime Table — United States retirement rules. Last reviewed: 2026-09-25.
Privacy and review status
Financial inputs stay on this device by default and are not placed into analytics, advertising or error payloads. Review the methodology or report a calculation issue if something looks wrong. Methodology · Report a calculation issue.
Common questions
What does the RMD Calculator calculate?
It calculates RMD estimate; divisor/table used; monthly equivalent. The result is based on the inputs and assumptions shown on this page.
What inputs does the RMD Calculator use?
The main inputs are age/birth date; account balance; spouse age/beneficiary table where applicable; tax year. Change them to model a different scenario.