Worked example: RMD Calculator
Age 73 divisor 26.5. This fixed reference example shows one complete scenario; the interactive results above use your current inputs.
View the example inputs
- Age attained this distribution year
- 73 years
- Prior December 31 retirement-account balance
- 265000 $
| Calculated quantity | Example result |
|---|---|
| Uniform Lifetime denominator | 26.5 |
| Estimated required distribution | $10,000.00 |
Using a tax estimate within its stated scope
Check jurisdiction, tax year and tax base
A tax calculation needs a defined jurisdiction, period and taxable base. Gross income, taxable income, a purchase price and a net-of-tax price are different starting points. The labels identify which base the current calculator expects. Use the stated tax year for any built-in table.
A progressive bracket calculation applies each rate to a slice of taxable income. A marginal rate is not the same as the effective rate on the whole amount. A flat entered-rate calculation answers a different question and cannot reproduce exemptions, credits or a complete progressive system.
Keep deductions, credits and withholding distinct
Deductions reduce a specified tax base, while credits can reduce a calculated tax. Withholding is a payment toward a liability and is not necessarily the final liability. The current tool includes only the items named in its formula and scope.
For entered-rate tools, verify the applicable rate and whether the amount already includes tax. For a versioned table, use the reference link to check the supported rules before applying the result to another year or filing situation.
Formula and calculation method
RMD=prior December 31 balance/Uniform Lifetime denominator. Age 120+ uses divisor 2.0.
Only the ordinary owner Uniform Lifetime case is covered. This does not determine whether distributions are legally due, the starting-age birth-year rules, deadlines or penalties.
Scope and Limitations
- Not for inherited accounts, Roth-owner lifetime distributions, or a sole-beneficiary spouse more than 10 years younger. Those cases require different rules/tables.
Reference Sources
Frequently asked questions
How does this calculator work?
RMD=prior December 31 balance/Uniform Lifetime denominator. Age 120+ uses divisor 2.0.
What assumptions should I check?
Not for inherited accounts, Roth-owner lifetime distributions, or a sole-beneficiary spouse more than 10 years younger. Those cases require different rules/tables. Only the ordinary owner Uniform Lifetime case is covered. This does not determine whether distributions are legally due, the starting-age birth-year rules, deadlines or penalties.
Can I save or print this calculation?
Use Copy link with inputs to reproduce the scenario, Download results for a text record, or Print. Where a schedule is shown, its CSV download includes every row.