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Withdrawals

Required Minimum Distribution Calculator

Estimate your RMD based on age, balance, and the Uniform Lifetime Table divisor.

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Models your current plan in plain English.

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Withdrawals

Required Minimum Distribution Calculator

Estimate your RMD based on age, balance, and the Uniform Lifetime Table divisor.

Snapshot
Your estimated RMD at age 73 is $33,962.
Using a divisor of 26.5, your projected post-distribution balance could be about $909,340 after one year of modeled growth.
Estimated RMD
$33,962
Divisor used
26.5
Your Numbers
Current age
Used to estimate your planning horizon.
73
Current investable balance.
$
Annual return
Nominal annual portfolio growth assumption.
5
Results
Your estimated RMD at age 73 is $33,962.
Using a divisor of 26.5, your projected post-distribution balance could be about $909,340 after one year of modeled growth.
Estimated RMD
$33,962
Divisor used
26.5
Account balance
$900,000
Next-year balance
$909,340

Projected RMD path

See how the account balance and required distribution may evolve year by year under the current assumptions.

Projected balance

Conservative currently leads optimistic by about $3,396.

Important findings
What the current inputs suggest
Using a divisor of 26.5, your projected post-distribution balance could be about $909,340 after one year of modeled growth.
What changes the result most
Conservative currently leads optimistic by about $3,396, so the outcome is meaningfully sensitive to your assumptions.
How to use this result
Use the headline to frame the decision, then check the supporting metrics and timeline before acting. The output is strongest as a planning tool, not as a guarantee.

How it works

The calculation, without the clutter

1

WealthyNest uses reusable finance formulas for compounding, withdrawal targets, and cash-flow projections.

2

Each tool pairs those formulas with calculator-specific assumptions and a concise summary.

Where this tool is most useful

An investor entering RMD age can use this calculator to estimate their first required withdrawal and its effect on next year's balance.

Key assumptions

What to sanity-check

  • Returns are smoothed estimates and do not reflect real-world market volatility.
  • All figures are in today's dollars unless the calculator is explicitly modeling inflation adjustments.
  • This tool is intended for planning, education, and comparison rather than certainty.

Companion guide

Retirement income planning

Think beyond one portfolio number and map how spending may be covered year by year.

Read the guide

FAQ

Common questions

Are these outputs guarantees?

No. They are planning estimates based on your assumptions and should be updated as markets, taxes, and spending change.

Do these calculators replace professional advice?

No. They are a strong planning starting point, but tax, legal, and investment decisions should be reviewed with a qualified professional when appropriate.

How often should I revisit my inputs?

A good rule is to revisit assumptions after major income, spending, family, tax, or market changes and at least a few times per year.

Why do the optimistic and conservative scenarios matter?

They help you see how sensitive the result is to assumptions instead of anchoring on one exact output.

Required Minimum Distribution Calculator | WealthyNest