RMD Calculator
Values shown are examples. The divisors come from the IRS Uniform Lifetime Table in Treasury Regulation 1.401(a)(9)-9 as revised for 2022 and later. Roth IRAs have no required distributions during the owner lifetime.
| Required Distribution | $0 |
| Table Divisor | n/a |
| Share of the Account | n/a |
| Monthly Equivalent | $0 |
| Tax on It | $0 |
| Total Distributed Over the Period | $0 |
| Total Tax Over the Period | $0 |
| Balance at the End | $0 |
| Excise Tax if You Skip It | n/a |
| Age | Divisor | Balance | Distribution |
|---|
For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.
How this is worked out
The distribution is the balance on 31 December of the previous year divided by a life expectancy factor from the IRS Uniform Lifetime Table, published in Treasury Regulation 1.401(a)(9)-9 and revised for distributions from 2022 onward.
The divisor falls with age, which is why the required amount rises as a share of the account even when the balance does not grow. At 75 the divisor is 24.6, so the distribution is about 4.07% of the balance.
One case does not use this table: a spouse who is the sole beneficiary and more than ten years younger uses the Joint Life and Last Survivor table instead, which gives a larger divisor and a smaller distribution. That is why the divisor here is editable.
