An educational estimate — not advice.

Not professional advice

The information and estimates on this site are provided for general educational purposes only. They are not tax, legal, investment, or financial advice, are not a substitute for advice from a qualified professional, and don't create any advisory relationship. Distribution decisions have real, often irreversible tax consequences — before you act, confirm your situation with a qualified CPA, tax attorney, or fee-only fiduciary financial advisor.

Estimates, not determinations

The calculator produces an estimate, not a determination of your required distributions, tax liability, or beneficiary classification. In particular:

• Annual RMDs in years 1–9. Whether you owe them depends on whether the original owner had reached their Required Beginning Date — a fact that turns on their birth date and death date and on the account documents. The tool applies the general rule, but edge cases (successor beneficiaries, trusts, multiple beneficiaries) are outside its scope.
• Life-expectancy factors. The tool uses the IRS single life-expectancy table from Publication 590-B. Your custodian may compute a required amount that differs slightly due to rounding or valuation dates.
• Federal tax. The tax figures use 2026 federal ordinary-income brackets and do not include state income tax, the net investment income tax, or interactions with other income such as Social Security or Medicare IRMAA. Your actual tax depends on your full return.

Time-sensitive and subject to change

The rules behind this tool have already changed several times: the SECURE Act (2019) created the 10-year rule, the IRS waived annual RMDs for 2021–2024 (Notices 2022-53, 2023-54, and 2024-35), the final regulations took effect in 2025, and SECURE 2.0 moves the Required Beginning Date to age 75 for those reaching it in 2033 or later. Figures and thresholds may change again after publication. Verify current rules with the IRS before relying on them.

Verify before you rely on it

For the authoritative rules, see the IRS RMD guidance and Publication 590-B, and confirm your specific numbers with your account custodian and a tax professional. We do our best to keep figures accurate and to cite primary sources, but we make no warranty of accuracy or completeness and accept no liability for decisions made based on this site. See our terms of use.

No affiliation

10yearrmd.com is an independent tool operated by Red Goggles LLC. It is not affiliated with, endorsed by, or connected to the IRS, any state tax authority, or any bank, brokerage, custodian, or financial institution.

Last updated: July 2026