# RMD Calculator

> RMD calculator: compute required minimum distributions from account balances using IRS life expectancy factors. Editable, free, runs locally, no signup.

- **Canonical URL:** https://boringtoolskit.com/rmd-calculator/
- **Category:** Everyday Calculators
- **Evidence level:** authored-methodology
- **Reviewed:** August 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

RMD = prior-year-end account balance / life-expectancy factor from the IRS Uniform Lifetime Table for your age.

## Worked example

A $500,000 balance with a 24.6 life-expectancy factor requires a $20,325 minimum distribution for the year.

## Sources

- [Calculation methodology and verification standard](/methodology/)

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