401(k) and IRA Required Minimum Distribution Calculator

Per IRS regulations, after reaching age 70½, you are generally required to start withdrawing money from a traditional 401(k) or IRA. Use this calculator to approximate your required minimum distribution based on your age and the value of your accounts.


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What was the value of your traditional 401(k) or IRA as of December 31st of last year? Do not include balances from a Roth 401(k) or IRA.
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How old will you be at the end of this year? If you turn 70 after June 30th of this year, no distribution is required for this year, or by April 1 of next year.
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Dividing your account value by this factor determines your annual distribution amount. To account for life expectancy, we refer to IRS Pub. 590 Table III: Uniform Lifetime.