Important Information

This calculator provides estimates based on IRS Publication 590-B and SECURE Act 2.0 rules. Required Minimum Distributions generally begin at age 73. Always consult with a qualified financial advisor or tax professional for personalized advice.

Account Owner RMD Calculation

Calculate your Required Minimum Distribution as the original account owner.

Personal Information

Enter your date of birth to calculate your age for RMD purposes

RMD Age Requirements
  • RMDs generally begin at age 73 (SECURE Act 2.0)
  • First RMD may be delayed until April 1st following the year you turn 73
  • Age is calculated as of December 31st of the calculation year

Year for which you want to calculate the RMD

Account Information

Enter the account balance as of December 31st of the prior year

Account Balance Guidelines
  • Enter the balance as of December 31st of the prior year
  • Use the exact amount from your account statement
  • Include cents for precise calculations (e.g., 100,000.50)
  • This balance is used as the divisor for your RMD calculation

Examples: 100000, 250,000.50, 1,500,000

Select the type of retirement account for accurate RMD calculation

Account Type Selection
  • IRA Accounts: Individual retirement accounts with personal control
  • Employer Plans: Workplace retirement plans with potential "still working" exception
  • RMDs generally begin at age 73 (increased from 72 under SECURE Act 2.0)
Beneficiary Information
Is your spouse a beneficiary of this account? *

Spouse beneficiaries may qualify for special RMD calculation methods

Spouse Beneficiary Information

Indicate if your spouse is a beneficiary of this account:

  • Yes: Select if your spouse is named as a beneficiary (sole or partial)
  • No: Select if your spouse is not a beneficiary or you have no spouse
  • Special Rules: Spouse beneficiaries may qualify for different RMD calculation methods
  • Age Difference: If spouse is more than 10 years younger, joint tables may apply
Important Reminders
  • RMDs generally begin at age 73 (increased from 72 under SECURE Act 2.0)
  • Your first RMD may be delayed until April 1st of the year following the year you turn 73
  • Subsequent RMDs must be taken by December 31st each year
  • Account balance should be as of December 31st of the prior year
  • Consult with a financial advisor and tax professional for personalized guidance

Disclaimer: Information presented is for general informational purposes only and should not be considered a recommendation or as personalized advice. Tax information provided is for educational purposes only and not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax professional. Depending on the type of account you have, there are different rules for withdrawals, penalties, and distributions. Semmax Financial Advisors (SFA) is not a CPA or Tax Consultant and does not provide Tax Advice.

SFA is not responsible for the accuracy or completeness of the information you provide, including what you determine to be your estimated rate of return. Please check your records carefully before entering information into the calculator and keep in mind that these calculations are estimates only. Any actions taken for your account(s) or distribution calculations should be verified with your appropriately qualified tax professional. Any results generated are based on hypothetical assumptions and cannot predict or project the return of any specific investments. Charges and expenses that would be associated with an actual investment, and which would lower performance, are not reflected.

Any tax information in the calculator is not intended as a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, SFA recommends you consult with a qualified tax advisor, CPA, financial planner or investment manager.