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pfin.rmd-calculator Calculator
Calculates the Required Minimum Distribution (RMD) from a traditional IRA or 401(k) for each year after age 72, using IRS Uniform Lifetime Table factors. Failing to take RMDs triggers a 50% excise tax on the amount not withdrawn — one of the most expensive mistakes in retirement planning.
Inputs
Ira Balance
Reference formula or conversion factor shown for context.
Age
Age in completed years. Many health and fitness formulas adjust for age.
Spouse Age
Age in completed years. Many health and fitness formulas adjust for age.
Results
required minimum distribution
The smallest value in the dataset or feasible range.
distribution factor
A dimensionless multiplier applied in the calculation.
IRA balance
Sample size or count used in the calculation.
age
Reference formula or conversion factor shown for context.
penalty for missing RMD
Sample size or count used in the calculation.
Roth IRAs
Reference formula or conversion factor shown for context.