How It Works
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
FAQs
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.