Required Minimum Distribution Calculator
Estimate an owner RMD from the prior-year balance and current IRS Uniform Lifetime Table while blocking inherited and special-table cases. Sensitive inputs stay in your browser.
$250,000.00 divided by the IRS Uniform Lifetime Table factor 24.6 for age 75.
Context matters.
- This owner-only estimate excludes inherited accounts, a sole spouse beneficiary more than 10 years younger, QLAC adjustments, multiple-account aggregation, plan-specific delays, taxes and amounts already distributed.
Sources & scope
The calculation guide and this source trail show what the result means, where the rule came from and when it was last reviewed. This is source-and-calculation QA, not a claim of medical, legal, tax or other professional review; time-sensitive decisions still belong with the linked authority.
A visible path from input to answer.
Estimate an owner RMD from the prior-year balance and current IRS Uniform Lifetime Table while blocking inherited and special-table cases. The page keeps the calculation scope and its limits beside the result so the output can be checked, copied or revisited.
- Read the record. The calculator uses RMD year, Account owner's date of birth, Prior December 31 account balance ($), Account type and IRS life-expectancy table situation and 2 additional fields supplied in the form.
- Apply the scope. It applies the United States owner RMD estimate using IRS 2025 Publication 590-B for 2026 calculations — inherited, special-table and plan exceptions are gated reference and the explicit date, unit and counting conventions shown in the result.
- Expose the checkpoints. Intermediate rows, warnings and timeline events stay visible; the emphasized row identifies the primary checkpoint when one exists.
$250,000.00 divided by the IRS Uniform Lifetime Table factor 24.6 for age 75.
- Estimated RMD$10,162.60
Calculation purpose: Estimate an owner RMD from the prior-year balance and current IRS Uniform Lifetime Table while blocking inherited and special-table cases. This is a high-sensitivity reference output; the linked authority or qualified professional controls the final decision.
Calendar inputs use plain year-month-day semantics. Leap days, month ends, date-pair order and unsupported dates are checked before the result is shown.
Rule set 1.1.0 · Last reviewed 2026-08-23 · Next review due 2027-02-23. The source panel below contains the linked evidence.
What to know before using the result.
How is an RMD estimated?
For a supported owner case, the prior December 31 balance is divided by the age-based factor in the IRS Uniform Lifetime Table.
What RMD cases are not calculated?
Inherited accounts, a sole spouse beneficiary more than ten years younger, QLAC adjustments and unresolved still-working exceptions are blocked or redirected.
Do Roth accounts have owner RMDs?
IRS guidance says Roth IRAs and designated Roth accounts do not require lifetime owner RMDs; beneficiary rules remain separate.