Required Minimum Distributions

Printed: July 17, 2025

Required Minimum Distribution

If you're over age 70½ you may be subject to taking annual withdrawals or required minimum distributions (RMDs) from your tax-deferred retirement accounts such as a traditional IRA. This tool will help you estimate the annual withdrawals you may need to take.

Your Estimated RMD Over The NextundefinedYrs.

Your Required Minimum Distribution is:
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Your Estimated Required Minimum Distributions

Estimated Account Balance ($)	Minimum RMD ($)	Your Age	Beneficiary Age	Life Expectancy Multiple

Account Balance ($): undefined

(As of 12/31 of last year)

Your Date of Birth: undefined

Primary Beneficiary:

Beneficiary: undefined

Date of Birth: undefined

Estimated Rate of Return (%): undefined

Calculator Assumptions

Account Balance

This is the fair market value your traditional IRA accounts on 12/31 of last year. You can look at your year end statement for that value. If you took a Qualified Charitable Distribution, speak with a tax advisor about how to calculate your RMD.

Primary Beneficiary

We use this information to determine which life expectancy table you need to use according to the IRS.

Estimated Rate of Return

Your required minimum distribution is affected by your future account balances, which are in turn based on the estimated rate of return on your account. Please input what you believe your possible rate of return on your account will be going forward. Your rate of return cannot be predicted with any certainty and is based on the types of securities that you hold and the respective performance of those securities. Please keep in mind that the actual rate of return may differ greatly from your input, including potential loss of principal due to market fluctuations.

Schwab is not responsible for the accuracy or completeness of the information you provide, including what you determine to be your projected rate of return. Please check your records carefully before entering information into the calculator and keep in mind that these calculations are estimates only.

The tax information in the calculator is not intended as a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, Schwab recommends you consult with a qualified tax advisor, CPA, financial planner or investment manager.