RMD Calculator

Modifiy The Values And Click The Calculate Button To Use

Your year of birth
Year of RMD
Account balance as of 12/31 last year
Is your spouse the primary beneficiary?
Yes  
Your spouse's date of birth
Estimated rate of return (Optional)
 

Result

Your RMD for 2026 is $12,195.12.

The distribution period for your case is: 24.6.

RMD =
$300000
24.6
= $12,195.12

If you only withdraw the RMD at the end of each year and your return rate is 5% per year, your future account balance and RMDs will look like the following.

Your Age$0K$53K$107K$160K$214K$267K$320K7580859095100105110115120BalanceRMD
YearYour AgeDistribution periodRMDEnd of Year Balance
20267524.6$12,195.12$302,195.12
20277623.7$12,750.85$303,916.49
20287722.9$13,271.46$305,177.28
20297822$13,871.69$305,870.86
20307921.1$14,496.25$305,943.34
20318020.2$15,145.71$305,337.51
20328119.4$15,739.05$304,078.39
20338218.5$16,436.67$302,023.81
20348317.7$17,063.49$299,208.33
20358416.8$17,810.02$295,468.23
20368516$18,466.76$290,851.53
20378615.2$19,134.97$285,302.39
20388714.4$19,812.67$278,764.21
20398813.7$20,347.75$271,337.28
20408912.9$21,033.90$262,818.55
20419012.2$21,542.50$253,339.85
20429111.5$22,029.55$242,875.82
20439210.8$22,488.50$231,406.68
20449310.1$22,911.55$218,919.88
2045949.5$23,044.20$205,669.47
2046958.9$23,108.93$191,688.57
2047968.4$22,820.07$177,311.92
2048977.8$22,732.30$162,308.61
2049987.3$22,234.06$147,078.28
2050996.8$21,629.16$131,721.58
20511006.4$20,581.50$116,697.08
20521016$19,449.51$102,109.95
20531025.6$18,233.92$88,069.83
20541035.2$16,936.51$74,689.99
20551044.9$15,242.86$62,419.49
20561054.6$13,569.45$51,292.54
20571064.3$11,928.50$41,332.24
20581074.1$10,081.04$32,813.77
20591083.9$8,413.79$25,619.98
20601093.7$6,924.32$19,630.45
20611103.5$5,608.70$14,722.83
20621113.4$4,330.25$10,912.22
20631123.3$3,306.73$7,985.76
20641133.1$2,576.05$5,680.19
20651143$1,893.40$3,976.14
20661152.9$1,371.08$2,735.31
20671162.8$976.90$1,846.33
20681172.7$683.83$1,220.63
20691182.5$488.25$769.00
20701192.3$334.35$456.38
20711202$228.19$239.60

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