Required Minimum Distribution Calculator
Last updated: October 15, 2026
Estimate an annual RMD using an account balance and life-expectancy factor.
Estimated annual RMD
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- Monthly equivalent: —
- Percent of balance: —
On this page
Quick summary: Estimate an annual RMD using an account balance and life-expectancy factor.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
The Required Minimum Distribution Calculator estimates the annual withdrawal amount that may be required from certain retirement accounts using the age, balance, and life-expectancy factor assumptions represented by the page.
Inputs and units
Enter Retirement account balance ($), IRS distribution period factor. Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
Divide the entered prior-year balance by the entered distribution factor. Monthly equivalent is that annual amount / 12. The factor implies a withdrawal percentage of 100 / factor.
Worked example
For 500,000 and factor 26.5, the annual amount is 18,867.92 and the monthly equivalent is 1,572.33. A zero balance produces a zero dollar distribution; the factor still represents about 3.77%.
Limitations
The form does not select an IRS life-expectancy table, determine whether an RMD is required, or apply special inherited-account and spouse rules. Enter the factor applicable to your circumstances; monthly equivalent is a budgeting figure, not a required payment frequency.