WiseCalc

RMD Uniform Lifetime Table Calculator

Model owner distributions using the IRS Uniform Lifetime Table, a prior-year balance and an entered return. Applicability and deadlines are not determined.

USD
years
%
years
First modeled annual distribution
$18,867.92
Uniform Lifetime Table divisor: 26.5
Distribution as a share of opening balance
3.77%
Modeled balance after first year
$505,188.68
Distributions over first 10 modeled years
$232,186.49

Modeled annual distributions (15 years)

  • Each bar is one modeled annual distribution. Axis labels show the modeled year; captions and tooltips include attained age. Captions and tooltips retain the original USD amounts; axis values use the same scale.
  • Year 1 · Age 73: $18,867.92
  • Year 2 · Age 74: $19,811.32
  • Year 3 · Age 75: $20,717.33
  • Year 4 · Age 76: $21,661.41
  • Year 5 · Age 77: $22,545.84
  • Year 6 · Age 78: $23,565.52
  • Year 7 · Age 79: $24,626.53
  • Year 8 · Age 80: $25,729.85
  • Year 9 · Age 81: $26,737.82
  • Year 10 · Age 82: $27,922.96
  • Year 11 · Age 83: $28,987.81
  • Year 12 · Age 84: $30,256.03
  • Year 13 · Age 85: $31,371.72
  • Year 14 · Age 86: $32,506.88
  • Year 15 · Age 87: $33,658.17

Model scope and assumptions

For a traditional IRA owner already subject to RMDs who qualifies for Uniform Lifetime Table III. Enter the balance at the prior December 31 and the age reached during the modeled distribution year. This tool does not decide whether or when RMDs are due. An age-72 table row does not establish current eligibility. It does not model inherited IRAs, Roth IRA owner distributions, the joint-life table for a sole-beneficiary spouse more than 10 years younger, annuities or employer-plan exceptions.

Each year divides the opening balance by the age-specific divisor, removes that distribution first, then applies the entered annual return to the remaining balance. Later years repeat this convention without contributions, extra withdrawals, taxes or fees. The selected horizon includes year 1; the cumulative card adds up to the first 10 modeled distributions without rounding them first. Constant returns and an unchanged table are scenario assumptions, not a forecast.

Table III: IRS Publication 590-B (2025), checked October 5, 2026. Ages 120 and over use divisor 2.0, so modeled years continue beyond age 120.

Frequently Asked Questions