Fidamen

Required Minimum Distribution (RMD) Calculator

This calculator estimates required minimum distributions (RMDs) by dividing an account balance by a distribution period (life expectancy divisor). It supports owner RMDs, spouse joint-life estimates, beneficiary life-expectancy scenarios, and a simple equal-annual 10-year rule illustration.

Use a distribution period drawn from the applicable IRS table or enter a custom period provided by your tax advisor or plan administrator. This tool provides educational estimates and does not replace tax or legal advice.

Updated Nov 16, 2025QA PASS — golden 25 / edge 120Run golden-edge-2026-01-23

Governance

Record 7b4137d1b055 • Reviewed by Fidamen Standards Committee

Estimate the owner’s RMD using a distribution period (life expectancy divisor). Use the IRS Uniform Lifetime Table value for the owner's age when available. If you prefer, enter a custom distribution period based on your advisor or worksheet.

Inputs

Results

Updates as you type

Required minimum distribution

$3,649.64

Distribution period (used)

27.4

OutputValueUnit
Required minimum distribution$3,649.64USD
Distribution period (used)27.4years
Primary result$3,649.64

Visualization

Methodology

RMD = Account balance ÷ Distribution period. The distribution period is the life expectancy divisor determined by IRS tables (Uniform Lifetime Table, Joint Life Expectancy Table, or Single-Life Table) or by plan-specific worksheets.

The calculator uses a user-supplied distribution period so institutions and advisors can apply the exact divisor required by statute or plan rules. This design avoids hard-coded table lookups and reduces stale-data risk.

Security and accuracy guidance: calculations follow standard arithmetic and numeric best practices. Implementation and deployment should adhere to NIST cybersecurity frameworks for data protection, ISO 9001 principles for quality management of calculation logic, IEEE recommendations for numerical stability where applicable, and OSHA guidance for workplace safety policy compliance when operating production systems that process sensitive data.

Key takeaways

This tool computes RMDs by dividing account balance by a distribution period you provide. It supports multiple common scenarios but does not replace statutory worksheets or professional advice.

Validate distribution periods against official IRS tables or plan documents and consult a tax professional for special cases and filing requirements.

Worked examples

Example 1: Account owner age 72, balance $200,000, distribution period 25.6 → RMD = 200000 ÷ 25.6 = $7,812.50.

Example 2: Non-spouse beneficiary with distribution period 15.2 and balance $150,000 → RMD ≈ 150000 ÷ 15.2 = $9,868.42.

Example 3: Account subject to 10-year rule, balance $120,000 → equal annual amount = 120000 ÷ 10 = $12,000.

F.A.Q.

Where do I get the correct distribution period (divisor)?

Use the appropriate IRS life expectancy table or your plan administrator’s worksheet. If in doubt, consult a tax professional. This tool accepts the divisor you enter and calculates the resulting RMD.

Does this calculator know all special-case IRS rules (spouse exceptions, SECURE Act changes)?

No. This calculator provides arithmetic estimates based on the divisor you supply. Special rules and exceptions (spousal elections, SECURE Act 10-year rule, eligible designated beneficiaries) require review of statute and plan documents; consult a tax advisor for applicability to your situation.

Is the 10-year rule calculation shown here the only permitted pattern?

No. The 10-year rule allows flexibility in timing; this tool shows equal annual withdrawals as one simple illustration. Actual permitted timing may permit different patterns within the 10-year window and can affect tax timing.

How accurate are the numbers?

Arithmetic accuracy is exact to standard floating-point precision. Results depend entirely on the accuracy of your inputs (balance and distribution period). We recommend cross-checking with the official IRS worksheets and your tax advisor before acting.

Sources & citations

Further resources

Versioning & Change Control

Audit record (versions, QA runs, reviewer sign-off, and evidence).

Record ID: 7b4137d1b055

What changed (latest)

v1.0.0 • 2025-11-16 • MINOR

Initial publication and governance baseline.

Why: Published with reviewed formulas, unit definitions, and UX controls.

Public QA status

PASS — golden 25 + edge 120

Last run: 2026-01-23 • Run: golden-edge-2026-01-23

Engine

v1.0.0

Data

Baseline (no external datasets)

Content

v1.0.0

UI

v1.0.0

Governance

Last updated: Nov 16, 2025

Reviewed by: Fidamen Standards Committee (Review board)

Credentials: Internal QA

Risk level: low

Reviewer profile (entity)

Fidamen Standards Committee

Review board

Internal QA

Entity ID: https://fidamen.com/reviewers/fidamen-standards-committee#person

Semantic versioning

  • MAJOR: Calculation outputs can change for the same inputs (formula, rounding policy, assumptions).
  • MINOR: New features or fields that do not change existing outputs for the same inputs.
  • PATCH: Bug fixes, copy edits, or accessibility changes that do not change intended outputs except for previously incorrect cases.

Review protocol

  • Verify formulas and unit definitions against primary standards or datasets.
  • Run golden-case regression suite and edge-case suite.
  • Record reviewer sign-off with credentials and scope.
  • Document assumptions, limitations, and jurisdiction applicability.

Assumptions & limitations

  • Uses exact unit definitions from the Fidamen conversion library.
  • Internal calculations use double precision; display rounding follows the unit's configured decimal places.
  • Not a substitute for calibrated instruments in regulated contexts.
  • Jurisdiction-specific rules may require official guidance.

Change log

v1.0.0 • 2025-11-16 • MINOR

Initial publication and governance baseline.

Why: Published with reviewed formulas, unit definitions, and UX controls.

Areas: engine, content, ui • Reviewer: Fidamen Standards Committee • Entry ID: 0786a8b4c11a