Free Tool · 2025 IRS table
Required Minimum Distribution (RMD) estimator
Once you reach age 73, the IRS requires you to withdraw a minimum amount each year from traditional IRAs and most workplace retirement plans. Enter your balance and age for a quick estimate using the 2025 IRS Uniform Lifetime Table.
Uses the IRS Uniform Lifetime Table (IRS Publication 590-B), used by most account owners. irs.gov/rmd. Estimate only — not tax advice.
How RMDs fit your retirement income
RMDs turn a tax-deferred nest egg into taxable income on the IRS's timetable. Coordinating withdrawals with Social Security timing, annuity income, and long-term care costs can smooth your taxes and protect what lasts. We help Utah families think it through — no pressure, no cost.
Questions, answered
What age do RMDs start?
Under the SECURE 2.0 Act, required minimum distributions from traditional IRAs and most workplace plans generally begin at age 73 for people who reach 73 in 2023 through 2032. Roth IRAs have no RMDs during the original owner's lifetime. See irs.gov for the current rules.
How is an RMD calculated?
You divide your prior-year-end account balance by a life-expectancy factor from the IRS Uniform Lifetime Table. This tool uses that table for a rough estimate — your custodian or tax advisor calculates the exact figure.
What happens if I skip an RMD?
Missing an RMD can trigger an IRS excise tax (reduced to 25%, or 10% if corrected promptly, under SECURE 2.0). This is educational only — confirm your RMD with a tax professional.
Make your withdrawals work with the rest of the plan
A free, no-pressure conversation with an independent Utah planner.
Educational only — not financial, tax, or legal advice. Not connected with any government agency.