2025 RMD Calculator
RMD Calculator 2025
Calculate your Required Minimum Distribution from IRAs and 401(k)s. Updated with SECURE 2.0 Act rules and IRS Uniform Lifetime Table.
Account Information
Enter your retirement account details
$
Use your account balance from December 31 of the prior year
Your RMD Results
Required minimum distribution
Required Minimum Distribution
$18,868
For 2026
Life Expectancy Factor
26.5
Withdrawal Rate
3.77%
Withdrawal Deadline
April 1, 2027
First RMD year - extended deadline available
Table Used
Uniform Lifetime
Penalty for Missing RMD
$4,717
25% penalty (SECURE 2.0)
10-Year RMD Projection
Estimated RMDs assuming 5% annual growth
| Year | Age | Account Balance | Life Expectancy | RMD |
|---|---|---|---|---|
| 2025 | 73 | $500,000 | 26.5 | $18,868 |
| 2026 | 74 | $505,189 | 25.5 | $19,811 |
| 2027 | 75 | $509,646 | 24.6 | $20,717 |
| 2028 | 76 | $513,375 | 23.7 | $21,661 |
| 2029 | 77 | $516,300 | 22.9 | $22,546 |
| 2030 | 78 | $518,441 | 22.0 | $23,566 |
| 2031 | 79 | $519,620 | 21.1 | $24,627 |
| 2032 | 80 | $519,743 | 20.2 | $25,730 |
| 2033 | 81 | $518,714 | 19.4 | $26,738 |
| 2034 | 82 | $516,575 | 18.5 | $27,923 |
RMD Rules Under SECURE 2.0 Act
RMD Starting Age
- Born 1950 or earlier: Age 72
- Born 1951-1959: Age 73
- Born 1960 or later: Age 75
RMD Deadlines
- First RMD: April 1 of year after reaching RMD age
- Subsequent RMDs: December 31 each year
- Note: Delaying first RMD means two RMDs in one year
Accounts Subject to RMDs
- Traditional IRAs
- 401(k), 403(b), 457(b) plans
- SEP and SIMPLE IRAs
- Not required: Roth IRAs (for original owner)
Penalty for Missing RMD
- Standard penalty: 25% of missed amount
- Reduced to: 10% if corrected within 2 years
- Previous law: Was 50% penalty
- File Form 5329 with your tax return