RMD Calculator

Introduction

Once you reach your 70s, the IRS requires you to start withdrawing from most retirement accounts every year — and getting the number wrong can mean penalties. Trencada's free RMD Calculator does the official math for you: enter your age and your account balance as of December 31 of last year, and it divides by the correct IRS Uniform Lifetime Table factor (post-2022 update) to give your required minimum distribution. Under the SECURE 2.0 Act, RMDs generally begin at age 73 — enter 72 and the tool shows a helpful hypothetical preview instead. Everything runs entirely in your browser with no signup and no downloads.

How to Use

1. Enter your age (72–120) and your account balance on December 31 of last year.
2. Press Calculate RMD. The tool looks up your IRS life-expectancy factor and divides your balance by it.
3. See your RMD amount, the factor used, and the RMD as a percentage of your balance.
4. If you enter age 72, you'll see a note that RMDs are not yet required — the figure is a preview.

Key Features

• Full IRS Uniform Lifetime Table (post-2022 update) built in, ages 72–120
• RMD amount, life-expectancy factor, and RMD-as-% shown together
• SECURE 2.0 age-73 rule handled with a clear inline notice
• Inline validation — no silent wrong numbers
• Fully responsive — works on phones, tablets, and desktops

Why Choose Trencada

Every Trencada tool is free forever with no hidden costs, no accounts, and no installation. The RMD Calculator runs 100% in your browser, so your financial figures are instant and private — nothing is uploaded, stored, or tracked.

Frequently Asked Questions (FAQ)

• What is an RMD? A required minimum distribution is the amount the IRS requires you to withdraw each year from most tax-deferred retirement accounts (like traditional IRAs and 401(k)s) once you reach the required age.
• When do RMDs begin? Under the SECURE 2.0 Act, RMDs generally begin at age 73. The calculator accepts age 72 and labels the result as a hypothetical preview.
• How is the RMD calculated? Your prior December-31 account balance divided by the IRS life-expectancy factor for your age from the Uniform Lifetime Table. For example, at 73 with $500,000, the factor is 26.5, giving an RMD of about $18,867.92.
• Is this tax advice? No. This is an educational estimate. Special rules (spousal beneficiaries, inherited accounts, Roth accounts) are not covered — verify with the IRS or a tax professional.
• Is my data private? Yes. The tool runs entirely in your browser — no balances or personal data leave your device.