📈 IRS Table III

RMD Calculator

Calculate your Required Minimum Distribution (RMD) from traditional IRAs, 401(k)s and other tax-deferred accounts using the exact IRS Uniform Lifetime Table (Table III) factors and the SECURE 2.0 starting age of 73.

Account details

Age you turn 73 (or your first RMD year)

Account balance (Dec 31 of prior year)

Spouse factor

Assumed annual growth after RMDs 5%

Your first-year RMD

Required Minimum Distribution

for year 2025 (based on balance at the end of 2024)

Applicable factor

Table III, age 73

Distribution %

of prior-year balance

Monthly equivalent

if spread over the year

Lifetime total (to age 95)

with growth assumed

Annual RMD by age

Full RMD schedule ▸

Year	Age	Factor	Balance (Dec 31)	RMD

RMD = balance on Dec 31 of the previous year ÷ life-expectancy factor. Factors come from the IRS Uniform Lifetime Table (Table III), which the IRS updated in 2022 with longer life expectancies. Under SECURE 2.0, the starting age is 73 for anyone born in 1951-1959. This is an estimate — always confirm with your plan administrator or tax advisor.

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Exact IRS factors

Full Uniform Lifetime Table (Table III) values — not an approximation.

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SECURE 2.0 rules

RMDs begin at age 73, with growth projected to age 95.

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Year-by-year schedule

See every year's balance, factor and RMD amount in one table.

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Private & instant

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