Required Minimum Distribution (RMD)
Estimate your RMD using the IRS Uniform Lifetime Table (2022+ revised).
Inputs
Missing an RMD triggers a 25% excise tax (reduced to 10% if corrected within 2 years, SECURE 2.0).
How it works
RMD = prior-year 12/31 balance ÷ Uniform Lifetime Table divisor for your age. RMDs begin at 73 (75 for those turning 74 after 2033).
Frequently asked questions
Is this guaranteed?
No — these are projections that assume your inputs hold. Real markets and life are variable.
What's the 4% safe-withdrawal rule?
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
Should I max out my 401(k)?
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth vs. Traditional?
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
When should I start saving?
Immediately. The single biggest variable in retirement success is years of compounding.