Use official tables
RMD rules are tax-law specific and can change. Use the official distribution period for the account owner and year; this tool does not select it automatically.
Example
If the account balance is 500,000 and the official distribution period you enter is 26.5, estimated RMD is 500,000 / 26.5 = 18,867.92.
Common mistakes
Do not use last year's divisor or a generic age estimate if official rules require a specific table, account type or beneficiary treatment.
Limitations
This is not tax or legal advice. The calculator does not know your country, account type, age, beneficiaries, aggregation rules or current tax-law changes.
Last reviewed: 2026-05-17