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What Is a Required Minimum Distribution?
Formula
RMDs are mandatory annual withdrawals from tax-deferred retirement accounts starting at age 73 (per SECURE Act 2.0).
The amount is calculated by dividing your account balance by the IRS life expectancy factor for your age.
Common use cases:
- Retirement withdrawal planning
- Tax planning for retirees
- Avoiding IRS penalties
Frequently Asked Questions
Maria Gonzalez
Registered Dietitian, RD, MPH
Maria is a Registered Dietitian with a Master's in Public Health. She focuses on evidence-based nutrition assessment tools including BMI, calorie calculations, and body composition analysis.
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