RMD Calculator
Calculate Required Minimum Distributions from retirement accounts using IRS Uniform Lifetime factors. Free tool.
RMD at age 75
₹81,301
Withdrawal rate
4.07%
Of the prior year-end balance
| Age | Required withdrawal |
|---|---|
| 75 | ₹81,301 |
| 76 | ₹85,815 |
| 77 | ₹90,170 |
| 78 | ₹95,145 |
| 79 | ₹1,00,376 |
Uses the IRS Uniform Lifetime Table (Pub. 590-B). RMDs apply from age 73 for US retirement accounts; missing the deadline attracts a 25% US penalty on the amount not withdrawn.
RMD Calculator on True Calculator gives you an instant, accurate answer with no sign-up and no app install. Calculate Required Minimum Distributions from retirement accounts using IRS Uniform Lifetime factors. Free tool. Every result shows the formula and a worked example so you can verify the calculation yourself, and all values are computed in your own browser — your numbers never leave your device.
Popular uses: rmd calculator · required minimum distribution calculator · irs rmd table
How We Calculate
This calculator uses standard financial formulas verified by our team. All calculations are performed instantly in your browser using JavaScript — no data is sent to any server.
We use RBI-approved formulas and regularly updated bank rates. All rates and standards are sourced from official government and regulatory websites.
When to Use This Calculator
Use this calculator once you are 73 or approaching it, because RMD planning is a recurring annual task rather than a one-time decision. The schedule table shows how withdrawals grow over time, which is critical for NRIs and returning Indians who hold US retirement accounts and must keep filing US tax returns on them. Knowing the RMD amount in advance helps you arrange the withdrawal timing, estimate the tax, and decide whether to take extra distributions in years when your Indian income is low. It also supports the broader retirement picture: combining the required withdrawal with the annuity payout calculator tells you how much of your income is forced versus discretionary. The factors come from the IRS Uniform Lifetime Table, so results are consistent with what the US system expects you to withdraw.
How to Use This Calculator
- Step 1: Enter your age — the tool works from 73, the current US starting age for Required Minimum Distributions.
- Step 2: Add the prior year-end balance of your traditional retirement accounts as of December 31.
- Step 3: Set the expected annual growth on the remaining balance — this drives the multi-year projection table.
- Step 4: Pick the projection length (3, 5 or 10 years) and read this year's RMD and the schedule of future withdrawals.
Worked Example
Anil turned 73 in March with ₹1 crore across his traditional 401(k) and IRA on December 31. The IRS Uniform Lifetime factor for age 73 is 26.5, so his first RMD is ₹1,00,00,000 ÷ 26.5 = ₹3,77,358. Assuming 6% growth on the remainder, the next year's RMD rises to about ₹4,00,000, and the factor falls as he ages — age 74 uses 25.5 — so required withdrawals climb steadily in both rupee terms and as a percentage of the balance.
Tips and Common Mistakes
- •Withdraw the RMD by December 31 each year — the first RMD can be delayed to April 1 of the year after you turn 73, but that stacks two withdrawals in one tax year.
- •Plan the RMD's income tax in advance; combined with other income it can push you into a higher US bracket.
- •Consider withdrawing slightly more than the minimum in low-income years to reduce future RMDs and tax.
- ✗Avoid missing the deadline — the US penalty is 25% of the amount not withdrawn, or 10% if corrected promptly.
- ✗Avoid taking the RMD from a single account without checking which account structure minimises tax on the withdrawal.
Frequently Asked Questions
What is an RMD?
A Required Minimum Distribution is the minimum amount the US IRS forces you to withdraw from traditional retirement accounts (401(k), traditional IRA) each year from age 73 onwards. It is calculated by dividing the prior year-end balance by a life-expectancy factor from the IRS Uniform Lifetime Table.
Why does the calculator require age 73 or older?
SECURE 2.0 raised the starting age to 73 for people born from 1951 onwards (and 75 for those born 1960 or later). Below 73 no RMD is owed, so the calculator returns no result until you enter 73 or above.
What happens if I miss an RMD?
The IRS charges a penalty of 25% of the amount you failed to withdraw — reduced to 10% if you correct it quickly. The withdrawal is also taxed as ordinary income in the US, so it is important to plan the amount and the tax together.
How is the projected schedule calculated?
Each year, the RMD is withdrawn and the remaining balance grows at the growth rate you enter before the next RMD. The factor rises as you age, so the RMD as a percentage of the balance increases every year — visible in the table.
Do these rules apply in India?
No — India has no equivalent compulsory withdrawal for EPF or PPF. This tool matters for NRIs and returning Indians who hold US retirement accounts, where missing an RMD is expensive.
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