What you have to withdraw this year

Required minimum distributions, from the IRS tables — with the divisor, the table it came from, and why that table applies to you.

Date of birth This sets your starting age, not the calendar year.

Balance on 31 December last year Across your traditional IRAs. Roth IRAs are not included. Nothing you type here leaves your browser.

Spouse is my sole beneficiary Only changes the answer if they are more than 10 years younger.

What this covers

Required distributions from your own traditional IRAs during your lifetime. It does not cover inherited accounts, which follow different and considerably more complicated rules; qualified charitable distributions, which can count toward the requirement; annuitized accounts; or the still-working exception for employer plans, which depends on your plan's documents.

Where these figures come from

Also on this site: the Social Security calculator, the married-couple figures, the Roth conversion calculator, your retirement timeline, and why the 1959 birth year has two answers. The iPhone app adds Explain, which answers questions about your own figures in plain English.

Estimates and general information only — not tax, investment, or financial advice, and not a substitute for your own tax professional. Not affiliated with the IRS, the Social Security Administration, or any government agency. Nothing you type here leaves your browser. Tax rules change; check figures against current official materials before acting on them.