RMD Calculator
It’s time to put your Financial Roadmap in motion! Are you ready?
RMD Calculator (Uniform Lifetime Table – Table III)
Enter last year’s December 31 balance, pick your age, then click Calculate. Heads up Starting ages differ by birth year (SECURE Act). This tool uses the factor for the age you select.
Formula: RMD = Prior-Year 12/31 Balance ÷ Distribution Period.
If your spouse is more than 10 years younger and the sole beneficiary, use the Joint Life and Last Survivor table instead.
IRS Table III – Uniform Lifetime (Two-Column Layout)
| Age | Dist. Period | Age | Dist. Period |
|---|
Suppose your prior-year 12/31 balance is
$350,000 and your current age is 76.
From Table III, the distribution period (factor) at age 76 is 23.7.
- Compute RMD:
$350,000 ÷ 23.7 = $14,772.57(rounded to cents) - As a percent of balance:
1 ÷ 23.7 = 0.04219 → 4.219%
$14,772.57, which is about 4.22% of the balance.
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