Required Minimum Distribution Planner

When you reach the age of 73, you must begin annual withdrawals from most retirement accounts (excluding Roth IRAs) in accordance with IRS regulations. These withdrawals are known as required minimum distributions, or RMDs.

Except for your first year taking RMDs, each RMD must be taken by December 31 to avoid a hefty penalty.

Need to take an RMD but don’t need the funds for retirement? Learn how your RMD can be a great way to contribute to a 529.

Use this RMD calculator to determine your projected required minimum distributions (RMD) for multiple years based on a hypothetical rate of return.

Want to calculate only this year's RMD? Try the Required Minimum Distribution for Current Year calculator.