Required Minimum Distribution Calculator
This calculator allows you to assist an IRA owner with calculations of the required minimum distribution (RMD) which must be withdrawn each year once your client reaches age 73 (as per the 2022 SECURE Act 2.0). For clients with IRAs at multiple financial institutions, a separate RMD calculation should be completed for each. IRS regulations allow your client to withdraw their RMD amounts from any one or more IRAs, whether at Fidelity or at other financial institutions.

The account balance used for the calculation (December 31 of the preceding year) must be increased for amounts withdrawn in the prior year and not due back until the current calendar year, such as outstanding (60-day) rollover distributions.

After entering the requested information, click on the "Create Report" button at the bottom of the page to prepare a client approved illustration. Keep a copy of the report in your client's file for future reference. 

The IRS has published new Life Expectancy figures effective 1/1/2022. This calculator has been updated to reflect the new figures.
Date of Calculation 4/19/2024
Financial Advisor Name
Advisor Title
Advisor Phone
Advisor E-mail
IRA Information
Name of IRA owner
IRA account number (optional)
Date of birth
Account balance as of 12/31 of preceding year
Remind clients to consider all other IRAs and qualified retirement plans because each will have a separate RMD requirement.
Beneficiary Information
Beneficiary's name (optional)
Confirm that this IRA beneficiary information matches the most recent IRA beneficiary designation in our records.
Beneficiary's date of birth (optional)
Is beneficiary client's spouse and sole beneficiary?


Calculators and related tools are provided by DST Retirement Solutions, LLC, an SS&C company "SS&C", a party unaffiliated with your firm's service provider, National Financial Services LLC or Fidelity Brokerage Services LLC ("Fidelity"), or your firm. Neither Fidelity nor your firm has been involved in the preparation or the content supplied by SS&C and does not guarantee or assume any responsibility for its content. The retirement planning, estate planning, and tax information contained herein is general in nature, is provided for informational and educational purposes only, and should not be considered legal or tax advice.

Fidelity is not undertaking to provide impartial investment advice, or to give advice in a fiduciary capacity, in connection with any investment or transaction described herein. Fiduciaries are solely responsible for exercising independent judgment in evaluating any transaction(s) and are assumed to be capable of evaluating investment risks independently, both in general and with regard to particular transactions and investment strategies. Fidelity has a financial interest in any transaction(s) that fiduciaries, and if applicable, their clients, may enter into involving Fidelity's products or services. Always consult an attorney or tax professional regarding your client's specific legal or tax situation. By using these tools you acknowledge that it is your obligation to comply with any applicable legal and regulatory requirements when providing the reports to your clients. You should consult with your firm's legal or compliance personnel regarding the use of these tools and reports.

Fidelity InstitutionalSM provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC.

936643.1.0