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Estimate annual required minimum distributions from retirement accounts based on age and account balance. This calculator shows your annual RMD, monthly equivalent, withdrawal rate, and projected balance after distribution.
Last updated: April 9, 2026
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Tax treatment varies by account type and beneficiary status.
Annual RMD
$18,868
estimated required withdrawal for this year
Life Expectancy Divisor
26.5
Monthly Equivalent
$1,572
Withdrawal Rate
3.77%
Balance After RMD
$481,132
Analysis:
Estimated annual RMD is $18,868 using divisor 26.5.
Important RMD Notes:
Formula
RMD = Prior Year-End Balance ÷ Divisor
Example
Age 73 divisor: 26.5
Effect
Higher divisor, usually lower RMD
Example: Age 73, $500,000 balance, uniform table
Annual RMD
$18,868
Withdrawal Rate
3.77%
This calculator estimates required minimum distributions by applying an age-based divisor to a retirement account balance. It is designed for planning and educational use so you can forecast cash flow and tax exposure from mandatory withdrawals.
1) Select appropriate divisor table (uniform vs joint)2) Read divisor by age3) RMD = account balance / divisor4) Monthly equivalent = annual RMD / 12Share it with retirees, advisors, and family planners.