Free tool
Your Required Minimum Distribution this year, based on the IRS Uniform Lifetime Table — plus a 10-year look ahead.
RMDs use the account balance as of December 31 of the prior year. This tool applies the Uniform Lifetime Table, which covers most account owners — different tables apply in some spousal situations.
$500,000 ÷ 26.5 (the IRS distribution period at age 73) = $18,868 that must be withdrawn this year.
Gold bars: each year's RMD (left axis). Dark line: projected account balance after withdrawals and 5% growth (right axis). The withdrawal percentage rises every year as the distribution period shrinks.
Required Minimum Distributions are the IRS's way of ensuring tax-deferred accounts like traditional IRAs and 401(k)s eventually get taxed — once the starting age is reached, a minimum amount must be withdrawn each year. Missing an RMD can trigger a steep excise tax, which is why many investors calendar the deadline. Roth IRAs are not subject to RMDs during the original owner's lifetime.
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