Based on the information provided, this tool provides the projected Required Minimum Distribution (RMD) amount you must withdraw this year, and projected RMD amounts you may need to withdraw in future years, until the end of retirement. This RMD Calculator is intended to serve as an informational tool only, and should not be construed as legal, investment, or tax advice. You should discuss your situation with your financial planner, tax adviser, or an estate planning professional before acting on the information you receive from the RMD Calculator, and to identify specific issues not addressed by the RMD Calculator.


IMPORTANT: The projections or other information generated by the RMD Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Projections in the Results table provided are based on the following assumptions:

  • The estimates are based on the 2002 final RMD regulations issued by the IRS.
  • The estimated default annual rate of return you indicated.
  • The Required Minimum Distributions shown are annualized amounts assumed to be withdrawn on December 31 of each year.
  • For the account owner, the factors used are from the IRS Uniform Lifetime Table. A spouse’s date of birth will only affect the outcome if the spouse is more than ten years younger than the primary account owner, in which case the IRS Joint Life and Last Survivor Expectancy Table will be used and the scheduled RMD amount will be smaller.

Please Note:

  • If an account owner has more than one retirement plan, you need to calculate the RMD amount for each retirement plan separately.
  • You may add the RMD amounts of all IRAs together (including Traditional, Rollover, SEP, and SIMPLE IRAs) and withdraw the total RMD amount from one or more of your IRAs. The same rules apply to 403(b) accounts.
  • If an account owner has multiple 401(k) or other employer sponsored plan accounts, the IRS generally requires account holders to calculate a separate RMD for each retirement plan account and to withdraw the appropriate RMD from each plan.
  • DST Systems, Inc., an SS&C company is not affiliated with Janus Henderson Investors or its affiliates. No information on the SS&C site has been endorsed or approved by Janus Henderson Investors, and Janus Henderson Investors is not responsible for the contents of the SS&C site or any link contained in the SS&C site.


  • You are responsible for the calculation of your RMD and the accuracy of your tax return. Withdrawals of taxable amounts may be subject to ordinary income tax. You should periodically review your overall tax plan with a tax professional that knows your particular situation best.
  • The estimated value of your account is not intended to be indicative of future performance in any tax-advantaged retirement accounts.
  • The actual future value of your retirement accounts and the annual RMD amounts you may be required to take may be higher or lower based on the annual rate of return. This should not be viewed as a prediction or guarantee of future performance. You may change the annual rate of return in the fields provided as part of the RMD Calculator. Your actual investment performance may produce higher or lower earnings. Securities that have the potential to provide a higher rate of return are associated with a higher level of risk. Many people seek to invest in securities with a lower level of risk as they get closer to retirement. Actual investment returns will vary, particularly in the long term.
  • You may begin taking distributions from your retirement accounts without incurring an early withdrawal penalty any time after you turn age 59½. If you do, the actual account balances may be lower when you do reach age 73 than the estimates indicate. The RMD Calculator assumes that no withdrawals are made from retirement accounts until after age 73. The Calculator also assumes that only the annual RMD amount is withdrawn each year for purposes of calculating estimated future values for your retirement accounts and future RMD amounts.
  • The Calculator assumes no additional contributions are made to the account balance you provided.
  • The Calculator assumes earnings on each account are reinvested on December 31 of each year.
  • The Calculator assumes the RMD for each year is withdrawn on December 31 of each year for which you would be required to take an RMD.
  • The Calculator does not consider the effect of taxes on the RMD withdrawn and the amount you will owe in taxes on the withdrawal is not calculated.
  • The RMD Calculator will not correctly calculate RMDs for inherited accounts, because different calculation rules apply.
  • The results of the RMD Calculator may vary with each use and over time. The Calculator’s results may change over time due to updates to the Calculator or because of changes in your personal circumstances or market conditions. We recommend that you return to the Calculator at least annually for updated results.