---
title: "RMD Calculator — Required Minimum Distribution from IRA and 401(k)"
description: "Calculate your Required Minimum Distribution (RMD) from IRA, 401(k), and other retirement accounts. Uses IRS Uniform Lifetime Table. Compare to UK pension drawdown rules. Free, no ads."
url: "https://worldcalculators.org/calculators/rmd/"
canonical: "https://worldcalculators.org/calculators/rmd/"
---

# RMD Calculator

Calculate your Required Minimum Distribution (RMD) from IRA, 401(k), and other retirement accounts. Uses IRS Uniform Lifetime Table. Compare to UK pension drawdown rules. Free, no ads.

## Quick answer

The US RMD system and the UK pension drawdown system represent very different philosophies:

## RMD vs UK Pension Drawdown

The US RMD system and the UK pension drawdown system represent very different philosophies:

## Frequently Asked Questions

Under the SECURE 2.0 Act (2023), the required beginning date for RMDs was raised to age 73 (for those born between 1951 and 1959) and 75 (for those born in 1960 or later). Previously it was 72. Roth IRAs do NOT have RMDs during the owner's lifetime — a significant advantage over Traditional IRAs.
SECURE 2.0 reduced the RMD failure penalty from 50% to 25% of the amount not withdrawn (or 10% if corrected within a correction window). You must also pay ordinary income tax on the RMD amount. The IRS may waive the penalty for first-time mistakes if you take the RMD promptly and request waiver.

Source: https://worldcalculators.org/calculators/rmd/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.