We estimate your Required Minimum Distribution by dividing your prior year-end balance by the IRS Uniform Lifetime Table distribution period for your age. RMDs begin at age 73.

Step by step

1. If you are under 73, no RMD is required yet.
2. At 73+, we look up your age's distribution period from the IRS Uniform Lifetime Table.
3. Your RMD is the balance divided by that distribution period.

The math

RMD = priorYearEndBalance ÷ distributionPeriod(age), for age ≥ 73.

Sources & assumptions

• IRS Uniform Lifetime Table, 2022 (public domain). RMD start age 73 per SECURE 2.0.

Note: Nothing proprietary. Uses the standard table only (not the Joint Life table for much-younger spouses).

1. This is an educational estimate using the IRS Uniform Lifetime Table; it is not tax advice.
2. Different tables apply if your sole beneficiary is a spouse more than 10 years younger. Consult your advisor and tax professional.