At what age do RMDs start?
Under SECURE 2.0, required minimum distributions begin at age 73 for most people, or age 75 if you were born after 1960.
Once you hit RMD age you must withdraw a minimum amount from traditional retirement accounts each year — or face a steep penalty. This calculator uses the IRS Uniform Lifetime Table to estimate your RMD and shows how a Qualified Charitable Distribution can cut the tax bill.
Under SECURE 2.0, required minimum distributions begin at age 73 for most people, or age 75 if you were born after 1960.
Divide your prior-year-end account balance by the IRS Uniform Lifetime Table factor for your age. This calculator does it automatically and projects future years.
A Qualified Charitable Distribution lets you send up to $108,000 (2025) directly from your IRA to charity. It counts toward your RMD but isn't added to your taxable income — often the most tax-efficient way to give if you're charitably inclined.