RMD Calculator
Calculate your current-year Required Minimum Distribution using the IRS Uniform Lifetime Table (post-SECURE Act 2.0). Shows current RMD, projected RMDs over the next 10 years, and estimated federal tax impact.
The IRS Uniform Lifetime Table (post-SECURE Act 2.0)
Your RMD is calculated as account balance at end of previous year ÷ life-expectancy divisor for your age. Divisors (selected ages):
| Age | Divisor | RMD as % of balance |
|---|---|---|
| 73 | 26.5 | 3.77% |
| 75 | 24.6 | 4.07% |
| 78 | 22.0 | 4.55% |
| 80 | 20.2 | 4.95% |
| 85 | 16.0 | 6.25% |
| 90 | 12.2 | 8.20% |
| 95 | 8.9 | 11.24% |
Why this matters
The divisor drops as you age, meaning RMDs take an increasing percentage of your balance each year. For a retiree who starts RMDs at 73 with a $2M balance, without Roth conversions, RMDs will:
- Start at ~$75K/yr (age 73)
- Rise to ~$100K/yr (age 80)
- Rise to ~$165K/yr (age 90)
- Potentially push you into higher brackets + IRMAA surcharges + Social Security taxation thresholds
The Roth conversion alternative: for the same starting $2M, consistently converting $100K/yr from age 65-73 (8 years × $100K) moves $800K + growth into Roth. Subsequent RMDs drop to ~$40K/yr at 73. Lifetime tax savings commonly run $200-400K depending on specific brackets.
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