Once you reach age 73*, IRS rules require you to take an annual withdrawal, known as a required minimum distribution (RMD), from certain tax-deferred retirement accounts, including traditional IRAs, 401(k)s, 403(b)s, and 457(b)s. Your RMD amount is based on your account balance, age, and an IRS life‑expectancy factor. Use the calculator below to estimate your RMD and the required distributions a beneficiary would be responsible for with an inherited account under current rules.

 

*Please refer to the calculation notes to see how RMD-eligible ages may vary by birthdate. 

Information and interactive calculators are made available to you as educational tools for your independent use. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. Actual results will vary. This information is not intended as investment advice, a recommendation, or solicitation of an offer to sell or buy any security, product, investment or strategy. The results may be used as a resource in making investment decisions but should not be relied on primarily or comprehensively as your financial plan. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice, consult the appropriate professional.

RO: 5259466 (03/2026)