Required Minimum Distribution

Holders of traditional IRAs and other tax-deferred savings accounts are required to take minimum distributions once they reach age 70. This calculator will help you determine what your required minimum distributions will be under IRS rules.

If you are 70 or older, the calculator will estimate your next distribution. If you are not yet 70, it will calculate your expected balance at age 70 and estimate your first distribution based on that.

What is your date of birth?






What is your account balance as of December 31 of the previous year? (enter in whole dollars, with no cents)


If you are younger than 71, which approximate rate of return do you expect to earn between now and when you turn 71?

If you are married, is your spouse more than 10 years younger than you AND designated as the sole account beneficiary?

If yes, what is your spouse's year of birth?