RMD Calculator - Senior Healthcare Planning

RMD Calculator (Uniform Lifetime Table – Table III)

Enter last year’s December 31 balance, pick your age, then tap Calculate. Heads up Starting ages differ by birth year (SECURE Act). This tool uses the factor for the age you select.

Prior Year 12/31 Balance

Use the total for this account as of December 31 of last year.

Age (Table III factor)

Age for the distribution year (use your age on your birthday in that year).

Distribution Period (Factor)

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RMD

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Effective % of Balance

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Formula: RMD = Prior-Year 12/31 Balance ÷ Distribution Period. If your spouse is more than 10 years younger and the sole beneficiary, use the Joint Life and Last Survivor table instead.

IRS Table III – Uniform Lifetime

Age	Dist. Period	Age	Dist. Period

Source: IRS, Publication 590-B, Appendix B, Table III (Uniform Lifetime Table).

Worked Example
Suppose your prior-year 12/31 balance is $350,000 and your current age is 76. From Table III, the distribution period (factor) at age 76 is 23.7.

Compute RMD: $350,000 ÷ 23.7 = $14,772.57
As a percent: 1 ÷ 23.7 = 0.04219 → 4.219%

So the RMD is approximately $14,772.57, about 4.22% of the balance.

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