Required Minimum Distribution (RMD) Current Year Calculator

Work out this year's RMD for each of your traditional IRAs and workplace plans, which ones you can combine into one withdrawal, when it is due, and the excise tax if you fall short. If you want to see how the figures change, the rmd calculator online gives you an instant result you can adjust as you go.

Enter your details and accounts

Your year of birth

RMD year

The calendar year the withdrawal is for.

My spouse is the sole beneficiary of these accounts for the whole year

Spouse's year of birth

A spouse more than 10 years younger lets you use the Joint and Last Survivor table, which lowers the RMD.

Your tax-deferred accounts

Use each account's value on December 31 of the year before the RMD year. Leave a balance at 0 to skip a row. Roth IRAs and Roth 401(k) or 403(b) money have no RMDs while you are alive, so leave them out.

Account	Balance last Dec 31	Already withdrawn this year
Account 1	$	$
Account 2	$	$
Account 3	$	$
Account 4	$	$
Account 5	$	$

The still-working exception applies only to the plan of the employer you still work for, only if the plan allows it, and never to someone who owns more than 5% of that employer. It never applies to IRAs.

Your RMD for this year

Total RMD

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Still to withdraw

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Deadline

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Age at year-end

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Distribution period

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First RMD year (age)

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Where each withdrawal can come from

IRA RMDs can be added together and taken from any of your IRAs, and 403(b) RMDs from any of your 403(b)s. A 401(k), 457(b) or other plan must pay out its own RMD. A withdrawal from one kind of account never counts toward another kind.

Group	RMD	Withdrawn	Still to take	Take it from	Deadline

RMD by account

Account	Type	Balance last Dec 31	Divisor	RMD	Status

If you miss it

Shortfall if nothing more is withdrawn–

Excise tax at 25%–

Excise tax at 10% if corrected in time–

The excise tax is 25% of the RMD you didn't take. It drops to 10% if you withdraw the missed amount and report the tax on Form 5329 within the correction window, which generally ends after two years. You can also ask the IRS to waive it for reasonable error if you fix the shortfall.

Results are estimates for educational purposes and are not financial, tax or legal advice.