Once you turn 73, the IRS requires yearly withdrawals. See what they'll look like.
This calculator projects your required minimum distributions using the IRS Uniform Lifetime Table, showing the withdrawals that begin at age 73 and how they grow as the account and your age change.
Each year's required minimum distribution equals your prior year-end balance divided by a life expectancy factor from the IRS Uniform Lifetime Table. As you age, that factor shrinks, so the required percentage of the account rises even when the balance itself changes. This tool grows the balance at your assumed return and applies the table year by year from age 73 onward.
RMDs are mandatory once they begin, and missing one can trigger a substantial IRS penalty, so the projection helps you plan for the taxable income they create. The estimate assumes a steady return and uses the standard Uniform Lifetime Table, which does not apply if your sole beneficiary is a spouse more than ten years younger. Confirm your exact factors and start date with the current IRS rules or a tax advisor. Not financial advice.
Under current rules, required minimum distributions generally begin at age 73.
It uses the IRS Uniform Lifetime Table, the standard table for most account owners.
Missing a required distribution can lead to a significant IRS penalty, so plan to take each one on time.
See the exact formula and a worked example on our methodology page.