Calculate how much you're required to withdraw from your traditional IRA or 401(k) each year, using the IRS Uniform Lifetime Table.
Age 73 this year. RMDs begin at 73 if you were born 1951–1959, and 75 if born 1960 or later.
Total balance of your traditional IRA/401(k)
| Age | Balance | Factor | RMD | Rate |
|---|---|---|---|---|
| 73 | $500,000 | 26.5 | $18,868 | 3.8% |
| 74 | $481,132 | 25.5 | $18,868 | 3.9% |
| 75 | $462,264 | 24.6 | $18,791 | 4.1% |
| 76 | $443,473 | 23.7 | $18,712 | 4.2% |
| 77 | $424,761 | 22.9 | $18,549 | 4.4% |
| 78 | $406,212 | 22.0 | $18,464 | 4.5% |
| 79 | $387,748 | 21.1 | $18,377 | 4.7% |
| 80 | $369,372 | 20.2 | $18,286 | 5.0% |
| 81 | $351,086 | 19.4 | $18,097 | 5.2% |
| 82 | $332,989 | 18.5 | $17,999 | 5.4% |
| 83 | $314,989 | 17.7 | $17,796 | 5.6% |
| 84 | $297,193 | 16.8 | $17,690 | 6.0% |
| 85 | $279,503 | 16.0 | $17,469 | 6.3% |
| 86 | $262,034 | 15.2 | $17,239 | 6.6% |
| 87 | $244,795 | 14.4 | $17,000 | 6.9% |
Uses the IRS Uniform Lifetime Table. If your sole beneficiary is a spouse more than 10 years younger, use the Joint Life Expectancy Table for a lower RMD. This projection assumes no growth — your actual RMD will be based on your account balance each December 31.
An RMD is just one piece of your retirement income puzzle. Evernest models your complete cash flow — RMDs, Social Security, pensions, spending strategies, and market scenarios — all in one projection.