RMD Calculator - Minimum Distributions
Free RMD Calculator. Calculate Required Minimum Distributions. Plan IRA withdrawals and avoid IRS penalties with our secure, offline calculator.
Start Age Solved: Age 73 | Divisor Applied: 26.5
You have a withdrawal shortfall of $15,094 for this tax year. The IRS imposes a severe 25% excise tax penalty ($3,774) on this shortfall.
💡 Corrective Action: If you withdraw the shortfall and file IRS Form 5329 within the correction window, the penalty is reduced to 10% ($1,509).
RMD Accounts Holder
| Year | Age | Prior Dec 31 Balance | IRS Divisor | RMD Required | Withdrawal Tax | Growth (Return) | Ending Balance | RMD % of Balance |
|---|---|---|---|---|---|---|---|---|
| Year 1 | Age 73 | $400,000 | 26.5 | $15,094 | $3,321 | +$23,094 | $408,000 | 3.77% |
| Year 2 | Age 74 | $408,000 | 25.5 | $16,000 | $3,520 | +$23,520 | $415,520 | 3.92% |
| Year 3 | Age 75 | $415,520 | 24.6 | $16,891 | $3,716 | +$23,918 | $422,547 | 4.07% |
| Year 4 | Age 76 | $422,547 | 23.7 | $17,829 | $3,922 | +$24,283 | $429,001 | 4.22% |
| Year 5 | Age 77 | $429,001 | 22.9 | $18,734 | $4,121 | +$24,616 | $434,883 | 4.37% |
| Year 6 | Age 78 | $434,883 | 22 | $19,767 | $4,349 | +$24,907 | $440,023 | 4.55% |
| Year 7 | Age 79 | $440,023 | 21.1 | $20,854 | $4,588 | +$25,150 | $444,319 | 4.74% |
| Year 8 | Age 80 | $444,319 | 20.2 | $21,996 | $4,839 | +$25,339 | $447,662 | 4.95% |
| Year 9 | Age 81 | $447,662 | 19.4 | $23,075 | $5,077 | +$25,475 | $450,062 | 5.15% |
| Year 10 | Age 82 | $450,062 | 18.5 | $24,328 | $5,352 | +$25,544 | $451,278 | 5.41% |
| Year 11 | Age 83 | $451,278 | 17.7 | $25,496 | $5,609 | +$25,547 | $451,329 | 5.65% |
| Year 12 | Age 84 | $451,329 | 16.8 | $26,865 | $5,910 | +$25,468 | $449,932 | 5.95% |
| Year 13 | Age 85 | $449,932 | 16 | $28,121 | $6,187 | +$25,309 | $447,120 | 6.25% |
| Year 14 | Age 86 | $447,120 | 15.2 | $29,416 | $6,471 | +$25,062 | $442,767 | 6.58% |
| Year 15 | Age 87 | $442,767 | 14.4 | $30,748 | $6,764 | +$24,721 | $436,740 | 6.94% |
| Year 16 | Age 88 | $436,740 | 13.7 | $31,879 | $7,013 | +$24,292 | $429,153 | 7.3% |
| Year 17 | Age 89 | $429,153 | 12.9 | $33,268 | $7,319 | +$23,753 | $419,638 | 7.75% |
| Year 18 | Age 90 | $419,638 | 12.2 | $34,397 | $7,567 | +$23,115 | $408,356 | 8.2% |
| Year 19 | Age 91 | $408,356 | 11.5 | $35,509 | $7,812 | +$22,371 | $395,218 | 8.7% |
| Year 20 | Age 92 | $395,218 | 10.8 | $36,594 | $8,051 | +$21,517 | $380,141 | 9.26% |
| Year 21 | Age 93 | $380,141 | 10.1 | $37,638 | $8,280 | +$20,550 | $363,054 | 9.9% |
| Year 22 | Age 94 | $363,054 | 9.5 | $38,216 | $8,408 | +$19,490 | $344,328 | 10.53% |
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