Required Minimum Distribution Calculator
Estimate a required distribution from a prior year-end balance and the applicable table factor.
Verify this calculatorMaintained
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Estimated RMD = prior year-end qualified-account balance ÷ distribution-period factor. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Maintained
- Source review
- September 12, 2026
Optional readingLearn how this calculator works
How the required minimum distribution calculator works
Estimate an annual RMD using an entered IRS distribution-period factor.
Estimated RMD = prior year-end qualified-account balance ÷ distribution-period factor.
Read our calculation methodology and limitations.
Example
Use the prior December 31 balance and the IRS factor for the distribution year.
What affects the result
- Starting ages and rules can change.
- Inherited and spouse-beneficiary accounts can use different tables.
- Verify the official factor before acting.
Frequently asked questions
What should I enter?
Use current statement or offer values where available. Each input includes a description of the expected amount, rate, or time period.
Is this financial advice?
No. It is a deterministic planning estimate. Verify important decisions with official documents and an appropriately qualified professional.