RMD Calculator 2025
Estimate your 2025 Required Minimum Distribution (RMD) using the SECURE 2.0 age threshold and the 2025 Uniform Lifetime Table. Enter precise balances and withholding preferences to see both the gross and net amount you must distribute.
2025 RMD Rules to Remember
Beginning in 2025, savers who turn 73 during the year must take their first Required Minimum Distribution thanks to the SECURE 2.0 Act shift from age 72. The distribution must be calculated using the 2024 year-end balance of each traditional IRA, employer plan, and other tax-deferred account subject to RMD. The IRS Uniform Lifetime Table assigns a life expectancy factor to each age; dividing the prior year balance by the factor produces the annual RMD.
Employer plans may allow a still-working exception when the participant does not own more than 5% of the company, but IRAs never qualify. Inherited IRAs are still subject to their own 10-year and life expectancy rules, yet the uniform table remains the reference for most ongoing distributions in 2025.
How to Use the 2025 RMD Calculator
Gather your December 31, 2024 account statements and enter the exact total in the first field. The age field should reflect how old you will be at the end of 2025. Adjustments let you capture outstanding rollovers, pending qualified charitable distributions, or advisor fees that will change the balance before you process the RMD. Select the type of plan; if it is a current-employer plan and you are still working for that employer, check the still-working box to see whether the exception removes the RMD requirement. Finally, include your desired tax withholding percentage to preview the net amount you will move into taxable accounts.
Example: 2025 RMD for a 75-Year-Old
Maria will be age 75 on 12/31/2025. Her combined traditional IRA balance on 12/31/2024 was 640,000 USD. She expects a 5,000 USD advisory fee to hit before she withdraws the RMD, so she enters -5000 in the adjustment field, chooses the IRA option, leaves the still-working box unchecked, and requests 10% withholding. The calculator uses the 24.4 life expectancy factor for age 75 to compute a 2025 RMD of 26,020.49 USD (635,000 divided by 24.4). With 10% withheld, 2,602.05 USD is sent to the IRS and 23,418.44 USD lands in her taxable brokerage account.
Compliance Tips for 2025
- Aggregate your traditional IRAs for calculation, but remember each employer plan must be calculated and withdrawn separately.
- The secure 2.0 first-year deadline allows delaying the initial RMD until April 1, 2026, yet doing so requires taking two distributions in 2026.
- Qualified charitable distributions can satisfy part or all of the RMD while keeping the amount out of adjusted gross income.
- Revisit withholding percentages if you expect higher 2025 taxable income because withholding is treated as paid evenly throughout the year.