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RMD Calculator

Calculate your Required Minimum Distribution (RMD) for retirement accounts. Uses current IRS Uniform Lifetime Table factors for ages 72+.

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Critical for retirees over age 73 with Traditional IRAs, 401(k)s, or inherited retirement accounts to avoid heavy IRS penalties.

IRS Uniform Lifetime Table

The calculation uses the IRS-defined distribution factors which vary by age. Your Dec 31 balance is divided by the factor corresponding to your age at the end of the year.

Fun Fact: If you don't take your RMD, the IRS used to charge a 50% penalty! SECURE 2.0 reduced this to 25% (or 10% if corrected quickly).

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