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RMD Start Date Calculator

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Roth IRAs, and Roth 401(k)s from 2024, have no RMDs during your lifetime.

Employer plans only, and only if you don’t own more than 5% of the company and the plan allows the delay.

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Taxable income after deductions, not counting RMDs from this account.

Your results

Year of your first RMD

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Your RMD starting age

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Latest date for the first RMD

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Estimated first RMD

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RMD starting age by date of birth
Date of birthRMD starting ageRule
Before July 1, 194970½Pre-2020 law
July 1, 1949 to 195072SECURE Act
1951 to 195973SECURE 2.0 Act
1960 or later75SECURE 2.0 Act

Take the first RMD on time or delay it?

Waiting until April 1 puts two RMDs in the second year, and the second one is larger because the year-end balance wasn’t reduced by the first. Federal income tax uses the 2026 brackets for both years.

ChoiceRMDs in first yearRMDs in second yearFederal tax, first yearFederal tax, second yearTotal federal tax

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

Find out the year your required minimum distributions begin, the deadline for the first one and whether waiting until April 1 to take it costs you more in tax. If you want to see how the figures change, the rmd calculator online gives you an instant result you can adjust as you go.