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Calculators / Finance / Required minimum distribution
Required minimum distribution calculator
Divide a retirement balance by an official distribution-period factor.
On this page
Estimated required distribution18,867.92
Monthly equivalent1,572.33
Calculator controls
How to calculate
Divide a retirement balance by an official distribution-period factor.
Estimated required distribution = balance/factor; Monthly equivalent = balance/factor/12
Worked example
Prior year-end account balance: 500000; Official distribution-period factor: 26.5.
Estimated required distribution: 18,867.92 ; Monthly equivalent: 1,572.33 .
Assumptions and limits
Enter the factor from the current official table that applies to the owner and beneficiary situation. This tool does not determine whether a distribution is required.
Results are rounded for display; calculations use unrounded values. Read our calculation methodology.
Understanding the result
Divide a retirement balance by an official distribution-period factor. The displayed figures use the inputs and formula shown on this page.
When this tool is useful
Use the required minimum distribution to compare a scenario, check an estimate, or verify a manual calculation.
Understanding your inputs
| Input | What to enter |
|---|---|
| Prior year-end account balance | Enter a number of at least 0.000001 and no more than 1000000000000. |
| Official distribution-period factor | Enter a number of at least 0.000001 and no more than 1000000000000. |
Frequently asked questions
What should I check before using the required minimum distribution result?
Enter the factor from the current official table that applies to the owner and beneficiary situation. This tool does not determine whether a distribution is required.
Is this required minimum distribution result exact?
It is exact for the stated mathematical model and entered values. Real-world results can differ when rates, timing, fees, definitions or measurement conditions differ.