Calculate your required minimum distributions (RMDs)

This calculator is for IRA owners and plan participants. It cannot be used to calculate RMDs for beneficiaries of IRAs and qualified retirement plans. Traditional IRAs and qualified retirement plans (such as 401(k)s) generally require the owner or plan participant to begin taking annual distributions of a minimum amount from their IRA or retirement plan when they reach the defined age. The defined age is 72 for plan owners or participants who turn 72 on or before December 31, 2022, and age 73 for those who turn 72 after December 31, 2022.

This Required Minimum Distribution (RMD) Calculator helps to estimate your annual distributions and prepare you for a conversation with your financial professional about planning for your RMDs. This tool calculates your RMD based only on the information you provide below; you may need to consider other IRAs and qualified plans to satisfy your entire RMD requirements.

1 Note that the value to use for an annuity may be greater than the annuity contract value. For an Allianz IRA annuity, the value can generally be found on IRS form 5498.

2 Treas. Reg. 1.401(a)(9)-9 These tables updated for regulations beginning January 1, 2022 under FR Doc. 2020-24723.

3 Amount shown assumes the RMD for the IRA or qualified plan has been distributed at the end of the year.

Information and interactive calculators are made available as self-help tools for independent use. Allianz Life Insurance Company of North America (Allianz) cannot and does not guarantee their accuracy or their applicability to any individual circumstances. Allianz encourages you to seek personalized guidance from qualified professionals regarding all personal finance issues. This analysis is based solely on the information you provide. The results presented by this calculator are hypothetical and for illustrative purposes, and do not represent current or future performance of any specific financial product. No guarantees are made as to the accuracy of any projection.

This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations.