RMD & Stretch IRA Calculator

The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 72 (or 70½ if born before 7/1/1949). Use this calculator to help determine how you can stretch out your payments for as long as possible. This calculator has been updated for the SECURE 2.0 of 2022, the SECURE Act of 2019 and CARES Act of 2020.

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Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.