401(k) RMD Calculator
Your workplace plan can have timing rules that differ from an IRA. This 401(k) RMD calculator estimates one account’s annual withdrawal and checks whether your selected employment and plan conditions allow a delay.
$20,325.20
Estimated annual withdrawal from this plan.
If a retirement-based delay applies, the first payment date depends on your retirement year. Confirm it with the administrator.
Original-owner defined-contribution account estimate. Plan-specific elections, attribution tests and first retirement-year deadlines require administrator confirmation.
How to use this tool
- Step 1
Enter the plan’s previous December 31 balance, your birth date and distribution year.
- Step 2
Choose traditional or Roth and answer the current-employer and ownership questions.
- Step 3
Check the amount and eligibility message against your plan administrator’s calculation.
An original traditional 401(k) owner turning 75 with a $500,000 previous year-end balance generally has a $20,325.20 annual minimum using Table III. A qualifying still-working delay may defer that amount for the current employer’s plan; an old employer’s account is different.
How the still-working exception works
A qualifying employee can delay distributions from the plan maintained by the current employer until retirement. The plan must permit that delay, and the ownership exception must not apply. The form asks about all of these conditions.
Working somewhere else does not defer a former employer’s 401(k). If you are retired, your plan requires age-based withdrawals, or ownership rules prevent the delay, the 401(k) RMD calculator applies the standard starting-year check.
Traditional versus Roth balances
Original owners generally have no lifetime RMD from a designated Roth 401(k) account under current rules. For a mixed account, enter only the traditional portion for the traditional calculation.
Inherited workplace accounts use beneficiary rules. This tool is for original owners and does not resolve an inherited 401(k), annuity arrangements or defined-benefit pensions.
Keep each workplace plan separate
Calculate and satisfy the minimum separately for each 401(k) plan. An IRA withdrawal cannot ordinarily satisfy a workplace-plan minimum. Your administrator can confirm the appropriate account balance and payment process.
If your spouse is your sole beneficiary and more than ten years younger, choose the joint-table option. The tool calculates the factor using both ages in the selected year.
Frequently asked questions
Can a 401(k) RMD calculator delay my withdrawal automatically?
No. The result reflects the facts you choose. Confirm employment, ownership and plan permissions with your administrator.
Does an IRA qualify for the still-working delay?
The IRA starting requirement generally applies regardless of whether you still work. This workplace exception does not transfer to your traditional IRA.
Can I combine withdrawals from two 401(k) accounts?
Each plan’s required amount generally must be taken from that plan. This differs from permitted aggregation among certain IRAs.
What does the ownership question mean?
It asks whether you are a more-than-5% owner for the applicable plan-year test, including relevant attribution rules. If unsure, confirm it with the employer before relying on a delay.
Need a standard IRA withdrawal estimate?
Use the main calculator for a simple account-owner calculation.
Go to the main calculator