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What's your Required Minimum Distribution? Run the numbers with our RMD calculator.

Traditional RMD Calculator

This calculator is undergoing maintenance for the new IRS tables. For assistance please contact 800-435-4000.

If you are age 72, you may be subject to taking annual withdrawals, known as required minimum distributions (RMDs) from your tax-deferred retirement accounts, such as a traditional IRA. Questions? Call 800-435-4000.

Need to take your RMD from your Schwab account? See your RMD amount and learn more about how we've automated things to make distributions easy.

Ready to run some numbers? Start here with the Traditional IRA calculator or jump to the Inherited IRA calculator.

Inherited IRA RMD calculator

For those who inherited an IRA due to the death of the original account holder. Get started.

Once you have your RMD, what's next?

  • Automate it
    Retirement income

    Automate it

    Learn how to turn your retirement savings into a steady stream of income.

  • Talk to us
    Withdrawal strategy

    Talk to us

    Let's discuss a withdrawal strategy that includes all your retirement income sources.

  • Move it to Schwab
    Retirement savings

    Move it to Schwab

    Find out how easy we make managing your withdrawals.

Quick answers to Frequently Asked Questions (FAQs)

What's an RMD or mandatory IRA withdrawal?
When do I take my first RMD?
What happens if I don't take my RMD?
Which retirement accounts are subject to RMDs?
Are Roth IRAs subject to RMDs?
Is an inherited IRA/beneficiary IRA subject to RMDs?
Who falls under the old rules for inherited IRA distributions?
Who are eligible designated beneficiaries?
Who's subject to the 10-year rule for inherited IRAs and how does it work?
Which calculator do I use if I inherited an IRA from my spouse?
How is my RMD calculated?
Can I take more than the minimum IRA withdrawal after age 59 ½?
Do I have to pay taxes on my RMD from a tax-deferred account?
Can I reinvest my RMD back into a tax-advantaged retirement account?
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