📅
Required Minimum Distribution (RMD) Calculator
Calculate your annual RMD from traditional IRAs and 401(k)s.
About This Calculator
SECURE 2.0 (2022) raised the RMD start age to 73 for those born between 1951 and 1959, and to 75 for those born in 1960 or later. Missing an RMD triggers a 25% penalty on the undistributed amount (reduced from 50% by SECURE 2.0). A $500,000 IRA at age 73 requires a $18,868 distribution — which counts as ordinary taxable income.