What is my required minimum distribution (RMD) in 2025?
Estimate required minimum distributions (RMDs) for 2025 or 2026 using IRS Uniform Lifetime Table factors. Enter your age, prior-year account balance, and spouse exception status to see the required distribution amount, the divisor used, and whether an RMD is required.
How this calculation works
- Uses the IRS Uniform Lifetime Table for distribution factors.
- Divides prior-year balance by the factor to estimate the RMD.
- Flags whether the age entered meets RMD requirements.
Common mistakes and caveats
- Spousal exception tables are not included in this estimate.
- RMD age rules can change and should be verified for the tax year.
- Roth IRAs generally do not require RMDs during the owner’s lifetime.
FAQ
At what age do RMDs start?
For many taxpayers, RMDs begin at age 73, but rules can vary by birth year.
Last updated & sources
Last updated January 27, 2026.
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