RMD & Stretch IRA Calculator

The Internal Revenue Service (IRS) requires you to take Required Minimum Distribution (RMD) withdrawals from your retirement account(s) annually beginning the year you reach the RMD-eligible age. RMD-eligible age is:

• Age 73 if you were born January 1, 1951, or later.*  
• Age 72 if you were born after June 30, 1949, and before January 1, 1951.** 
• Age 70 ½ if you were born before July 1, 1949. 

Use this calculator to help determine how you can stretch out your payments for as long as possible.

* The RMD-eligible age will increase to age 75 after December 31, 2032.
** For individuals turning age 72 in 2023, no RMD payment is required in 2023.