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RMD Calculator

Project your Required Minimum Distributions across three phases — accumulation, coast, and RMD — using the IRS Uniform Lifetime Table.

Important RMDs apply to traditional 401(k), 403(b), 457(b), and IRA accounts. Roth 401(k) accounts have been exempt from RMDs since 2024. RMD rules can change — always verify current IRS regulations. Missing an RMD may result in a 25% excise tax on the shortfall. Consult a tax advisor for your specific situation.
Your Account
Contributions stop at retirement age below. Set to $0 if already retired.
Contributions stop and the coast phase begins. Capped at your RMD start age (73 or 75, based on birth year).
Return Assumptions
Applied during accumulation and coast phases.
Lower rate often used to reflect more conservative allocation in RMD phase.
Project Through Age
Age 90
7385100
$0
Balance at RMD start (age 73)
$0
First RMD (age 73)
$0
Total RMDs through projection age
Account Balance & Annual RMD
Bars = account balance (left axis) · Line = annual RMD amount (right axis)
Accumulation
Coast
RMD Phase
Annual RMD
Year-by-Year Projection
Age Phase Balance (Start) Contribution Growth RMD Balance (End)

Important Disclaimer

The information, materials, and content provided herein are for demonstration and illustrative purposes only. Any figures, projections, or outputs shown are hypothetical/simulated and not indicative of actual or future results.

Karr Barth Administrators (KBA) and its employees do not provide investment, tax or legal advice. No material should be construed as investment, tax or legal advice, or as a recommendation, solicitation, or offer to buy or sell any security, financial product, or service, or to engage in any particular financial strategy or transaction in any vehicle administered by KBA.

While KBA strives to keep information current, information may be outdated. Do not rely on this information as a substitute for individualized professional guidance. Before making any financial, investment, tax, or legal decisions, you should consult with a qualified financial professional, tax advisor, attorney, or other appropriate professional who can evaluate your specific circumstances, objectives, and needs.