Required Minimum Distribution (RMD) Calculator
Divide your account balance by your current-year IRS distribution period factor to estimate your RMD.
The distribution period factor comes from the IRS's own life-expectancy tables and depends on your age (and sometimes your spouse's). Look up your current factor at irs.gov or the Bankrate RMD table linked below — this platform does not supply or guess it for you.
$
Estimated required minimum distribution
$20,000
How it works: RMD = account balance ÷ distribution period factor. This is the real IRS formula — the factor itself comes from an IRS life-expectancy table that depends on your age and can change, so it's a required input here rather than something this calculator assumes.
Find your factor: see the External Resources page for the IRS and Bankrate RMD tables, or consult a tax professional.
Sources & further reading