What you must withdraw this year, and by when
Type an age and last year's closing balance. Get the required minimum distribution, the exact deadline, and the excise tax the IRS takes if the money stays in the account. No sign-up.
Work out my RMD PricingHow it works
- Your balance on 31 December last year is divided by an IRS life expectancy factor for your age.
- Owners aged 73 and over use the Uniform Lifetime table; an inherited account uses the Single Life table at the beneficiary's age.
- The distribution is normally due by 31 December; a first RMD can be delayed to 1 April of the next year.
- Nothing is due below the applicable age — 73, or 75 if you were born in 1960 or later — or on a Roth IRA you own.
- Miss it and the excise tax is 25% of the shortfall — 10% if you correct it in time.
Arithmetic over the public IRS tables. Nothing you type is stored. This is not tax advice.
For agents and developers
The same function is one HTTP call and one MCP tool. First 3 calls a day are free.
POST https://mandatory-minimum.tinyverb.com/api/compute
{"age": 73, "balance": 500000, "accountType": "traditional-ira", "inherited": false}
→ {"rmd": 18867.92, "deadline": "2027-04-01", "divisor": 26.5, "penalty": 4716.98}