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Required Minimum Distribution Calculator
RMD from your Traditional IRA or 401(k) starting age 73.
Enter values to see your result
Frequently asked questions
Which accounts require RMDs?
Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, 457(b)s. Roth IRAs have NO RMDs for original owners. Roth 401(k)s no longer have RMDs post-SECURE 2.0.
What's the penalty for missing an RMD?
25% excise tax on the missed amount (reduced to 10% if corrected within 2 years). Pre-SECURE 2.0 it was 50%.
Can I reinvest my RMD?
You must withdraw it from the tax-deferred account, but you can reinvest in a taxable brokerage account or Roth (if eligible).
How are RMDs taxed?
As ordinary income at your federal and state rates. Plan ahead — large RMDs can push you into higher tax brackets.