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Calculate required minimum distributions from retirement accounts. Avoid IRS penalties.
RMDs start at age 73 (or 75 if born 1960+). Missing an RMD triggers a 25% penalty. Calculate your required withdrawal based on account balance and IRS life expectancy tables.
$18,868
$1,572/month
26.5
IRS table
73
Based on birth year
$4,717
25% of RMD
| Age | RMD | Balance |
|---|---|---|
| 73 | $18,868 | $500,000 |
| 74 | $19,811 | $505,189 |
| 75 | $20,717 | $509,646 |
| 76 | $21,661 | $513,375 |
| 77 | $22,546 | $516,300 |
*Assumes 5% annual growth. Actual results will vary.
SECURE 2.0 Act Changes: RMDs now start at age 73 (born 1951-1959) or 75 (born 1960+). The penalty for missed RMDs was reduced from 50% to 25% (10% if corrected promptly).
Learn more about how we calculate and our editorial standards.