Retirement withdrawal estimate
Required minimum distribution estimate
Estimate an owner’s required minimum distribution from a prior year-end account balance and the applicable IRS Uniform Lifetime Table factor.
This estimate applies the IRS Uniform Lifetime Table factor for your age to one account’s prior year-end balance. It does not determine whether an RMD applies to you or which account-specific rules control.
At age 73, a $265,000 prior year-end balance divided by 26.5 gives an estimated $10,000.00 distribution.
How the estimate works
The formula is the account balance on December 31 of the prior calendar year divided by the applicable distribution period. The age factors shown here are from Table III (Uniform Lifetime) in IRS Publication 590-B (2025). Use age as of your birthday in the distribution year. IRS guidance generally uses Table III for an owner whose spouse is not the sole beneficiary or is not more than 10 years younger.
This page estimates one owner account under Table III. It does not calculate beneficiary distributions, use Table I or Table II, determine whether an RMD is due, set a first-distribution deadline, or establish your account balance. A sole beneficiary spouse more than 10 years younger may require Table II; inherited accounts and special plan rules can require other treatment. Roth IRAs and designated Roth accounts generally have no owner lifetime RMD, though beneficiary rules differ. Some eligible IRA distributions may be aggregated, while employer-plan calculations generally remain separate. Verify your case with the IRS, custodian, or plan administrator.
Sources checked November 3, 2026: IRS required minimum distribution guidance, IRS Publication 590-B (2025), Appendix B, Table III, and the IRS RMD FAQ.
This is an educational estimate, not tax or retirement advice.
Related retirement planning
Use the 401(k) employer-match planner for your plan’s entered match formula, or compare employee contribution scenarios with the Roth vs. traditional 401(k) calculator. The Social Security estimate guide links to official benefit estimators.
How it works
Choose your age as of your birthday in the distribution year and enter the account balance as of the prior December 31. The calculator applies the corresponding IRS Uniform Lifetime Table factor to estimate the account’s distribution amount.
Good to know
Which IRS table does this estimate use?
It uses the IRS Uniform Lifetime Table (Table III) for an individual account owner. A different table can apply when a spouse more than 10 years younger is the sole beneficiary or when calculating beneficiary distributions.
Does this tell me when I must begin taking distributions?
No. The starting age and deadline can depend on birth year, account type, plan terms, employment, and other rules. Confirm your required beginning date with the IRS guidance and plan administrator.
Can I combine this result across retirement accounts?
This estimate is for one account. Aggregation rules differ by account type; workplace plans generally require separate calculations and withdrawals, while some IRA owners may aggregate eligible IRA distributions. Confirm the rules for each account.
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