Required Minimum Distribution (RMD)

Written by Rohan Mehta, Finance Specialist Reviewed by Vikram Sen, Technical Reviewer Last updated: June 1, 2026 Last verified: June 1, 2026 · Methodology · Accuracy policy

An educational RMD estimator. It does not choose your table, apply QCDs, or track multiple account aggregation rules.

Use the IRS Uniform Lifetime Table factor (or Joint Life if applicable) for your distribution year.

Tip: Match inputs to your SSA statement, plan documents, and the IRS tables for the year you are planning.

Cluster: Retirement hub · 401(k) contribution % · Compound interest · Finance hub · Percentage guide

Required minimum distributions divide last year’s year-end balance by an IRS life-expectancy factor.

Enter the account balance and the Uniform Lifetime (or other) factor from the IRS table for your age.

Estimated RMD

Understanding Required Minimum Distribution (RMD)

Real-world scenario: Balance $800,000; Uniform Lifetime factor 26.5.

What is Required Minimum Distribution (RMD)?

An educational RMD estimator. It does not choose your table, apply QCDs, or track multiple account aggregation rules.

You supply the factor from the current IRS publication
Balance is typically prior year-end
Not advice — penalties apply if you under-distribute

The Formula

RMD Amount

RMD = Account balance ÷ Life expectancy factor

Worked Example

Scenario: Balance $800,000; Uniform Lifetime factor 26.5.

Step 1: 800,000 ÷ 26.5 ≈ 30,188.68

Answer: Estimated RMD is about $30,188.68.

Common Use Cases

Year-end planning: cash for the distribution
Tax estimates: taxable income bump
Multi-account: compute per balance then sum rules carefully

Pro Tips

Confirm the correct IRS table for your situation
Deadlines and first-year rules differ
Roth 401(k) RMD rules have been changing—verify current law

Limitations: Required Minimum Distribution (RMD) results are educational retirement planning aids—not tax, Social Security, investment, or legal advice. Confirm figures with the IRS, SSA, plan administrators, and a qualified professional.

FAQ

Where do I find the life expectancy factor?

IRS Publication 590-B (or successor) Uniform Lifetime Table lists factors by age. Enter that factor here.

Can I take more than the RMD?

Yes. RMD is a minimum. Larger withdrawals may increase taxable income.

Authoritative References

For retirement education, consult:

IRS retirement plans — contribution limits and RMDs
Social Security Administration — benefit estimates
Investor.gov — investor education