RMD Calculator
What the IRS requires you to withdraw.
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Your Results
Required distribution$18,867.92
Life expectancy factor26.5
RMDs start at age 73 for anyone born after 1960 (age 75 for those born in 1960+). Missing an RMD carries a 25% penalty (10% if corrected quickly).
Frequently Asked Questions
When do RMDs start?
Age 73 if you were born between 1951-1959, age 75 if born in 1960 or later. Your first RMD can be delayed to April 1 of the year after you turn the RMD age.
Which accounts have RMDs?
Traditional IRAs, 401(k)s, and similar employer plans. Roth IRAs have no RMDs during your lifetime — a key reason savers convert.
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