Required Minimum Distribution (RMD) Calculator
A required withdrawal you can't skip, with a real penalty for missing it
Required Minimum Distribution (RMD) Calculator
yrs
$
%
IRS Uniform Lifetime divisor
0
for your age
This year's required distribution
0
balance divided by the divisor
Excise tax if missed entirely
0
25% of the shortfall, SECURE 2.0
SECURE 2.0 lowered the penalty, it did not remove it
The excise tax for a missed RMD dropped from 50% to 25% of the shortfall, and drops further to 10% if you correct the mistake within the IRS correction window — still a meaningful cost for a distribution you were required to take anyway.
RMDs start at 73, moving to 75
SECURE 2.0 raised the RMD starting age to 73 (from 72), with a further increase to 75 for those born in 1960 or later — check which age band applies to your birth year before assuming this year is your first required distribution.
Qualified Charitable Distributions can offset it
Donating directly from your IRA to a qualified charity (a QCD, capped annually and inflation-adjusted) counts toward your RMD without adding to your taxable income — often the most tax-efficient way to satisfy an RMD you don't need for living expenses.
Divisor uses the IRS Uniform Lifetime Table (2022 update) approximate values by age band. Roth IRAs are exempt from RMDs during the original owner's lifetime; Roth 401(k)s became RMD-exempt starting 2024. Inherited-IRA RMD rules differ substantially (often a strict 10-year full-depletion rule for non-spouse beneficiaries) and aren't modeled here. Not tax advice — verify your specific divisor and any QCD strategy with a tax professional.