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Required minimum distribution

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Your RMD from an IRA or 401(k) using the IRS Uniform Lifetime Table.

How this calculator works

Required minimum distributions start at age 73 for people born from 1951 to 1959 and at 75 for those born in 1960 or later. Each year's RMD is last December 31's balance divided by the IRS Uniform Lifetime Table factor for your age. Missing an RMD can trigger a 25% penalty on the amount not taken, reduced to 10% if you fix it promptly.

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Disclaimer: This calculator is for education only and is not tax, legal, or investment advice. Tax rules change often and depend on your full situation, so confirm with a CPA, enrolled agent, or licensed financial professional.

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