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This retirement calculator lets you build up your traditional IRA or 401(k) balance up until age 70 1/2 when you must start making taxable distributions. It then uses the "recalculation" method for three cases to determine your minimum withdrawals in following years. The remainder of your balance grows tax deferred in the account until withdrawn. The three cases shown are: 1) MDIB or minimum distribution incidental benefit, the new standard for everybody! Your IRA/401(k) custodian is now required to distribute out this amount each year. 2) Single life 3) Joint life (spousal) beneficiary where the two people are exactly the same age.
Current Age:
Withdrawal Age: 70 1/2
IRA Balance:
IRA Annual Yield:

In 30 years your $ 100,000.00 will grow to $ 574,349.12

  MDIB Single Life Same Age Spouse
AgeDivisorBalanceMinimum Withdrawal DivisorBalanceMinimum Withdrawal DivisorBalanceMinimum Withdrawal
70 27.4 574 20,961.65 17.0 574,349.12 33,785.24 21.8 574,349.12 26,346.29
71 26.5 587 22,182.96 16.3 575,024.82 35,277.60 20.9 582,463.77 27,869.08
72 25.6 600 23,474.08 15.5 574,248.72 37,048.30 20.0 589,542.52 29,477.13
73 24.7 613 24,838.80 14.8 571,655.33 38,625.36 19.2 595,437.95 31,012.39
74 23.8 625 26,281.12 14.1 567,329.29 40,236.12 18.4 600,151.83 32,616.95
75 22.9 636 27,805.20 13.4 561,132.93 41,875.59 17.6 603,543.99 34,292.27
76 22.0 647 29,415.37 12.7 552,925.31 43,537.43 16.8 605,464.36 36,039.55
77 21.2 656 30,969.39 12.1 542,563.41 44,839.95 16.0 605,752.68 37,859.54
78 20.3 664 32,757.38 11.4 530,277.26 46,515.55 15.2 604,238.29 39,752.52
79 19.5 672 34,467.48 10.8 515,578.35 47,738.74 14.5 600,740.07 41,430.35
80 18.7 677 36,255.37 10.2 498,774.31 48,899.44 13.8 595,354.13 43,141.60
81 17.9 682 38,122.83 9.7 479,801.33 49,464.05 13.1 587,933.77 44,880.44
82 17.1 685 40,071.33 9.1 459,125.35 50,453.34 12.4 578,329.36 46,639.46
83 16.3 686 42,101.93 8.6 436,219.54 50,723.20 11.7 566,389.65 48,409.37
84 15.5 685 44,215.18 8.1 411,669.51 50,823.40 11.1 551,963.66 49,726.46
85 14.8 682 46,097.31 7.6 385,546.28 50,729.77 10.5 535,355.02 50,986.19
86 14.1 677 48,019.67 7.1 357,949.29 50,415.39 9.9 516,490.13 52,170.72
87 13.4 669 49,976.29 6.7 329,010.85 49,106.10 9.4 495,308.82 52,692.43
88 12.7 659 51,959.60 6.3 299,645.41 47,562.76 8.8 472,334.92 53,674.42
89 12.0 647 53,960.05 5.9 270,061.37 45,773.11 8.3 447,000.59 53,855.49
90 11.4 632 55,474.71 5.5 240,491.94 43,725.81 7.8 419,965.14 53,841.68
91 10.8 614 56,933.49 5.2 211,195.65 40,614.55 7.4 391,321.36 52,881.27
92 10.2 594 58,317.76 4.9 183,252.84 37,398.54 7.0 361,919.38 51,702.77
93 9.6 572 59,605.61 4.6 156,849.47 34,097.71 6.6 331,931.77 50,292.69
94 9.1 546 60,103.41 4.3 132,162.73 30,735.52 6.2 301,554.99 48,637.90
95 8.6 519 60,424.90 4.1 109,356.97 26,672.43 5.8 271,010.38 46,725.93
96 8.1 490 60,544.25 3.8 89,245.96 23,485.78 5.5 240,545.08 43,735.47
97 7.6 459 60,432.73 3.6 71,114.94 19,754.15 5.2 211,242.31 40,623.52
98 7.1 426 60,058.21 3.4 55,627.68 16,361.08 4.8 183,293.33 38,186.11
99 6.7 391 58,498.49 3.1 42,604.26 13,743.31 4.5 156,104.82 34,689.96
100 6.3 356 56,659.97 2.9 31,417.21 10,833.52 4.2 130,781.15 31,138.37
101 5.9 321 54,528.02 2.7 22,468.72 8,321.75 3.9 107,489.65 27,561.45
102 5.5 286 52,089.13 2.5 15,495.10 6,198.04 3.6 86,377.58 23,993.77
103 5.2 251 48,382.79 2.3 10,226.76 4,446.42 3.3 67,566.46 20,474.69
104 4.9 218 44,551.66 2.1 6,393.95 3,044.74 3.0 51,145.76 17,048.59
105 4.5 186 41,522.15 1.9 3,732.85 1,964.66 2.7 37,165.92 13,765.16
106 4.2 156 37,271.07 1.7 1,992.16 1,171.86 2.4 25,630.72 10,679.47
107 3.9 128 32,989.67 1.5 939.83 626.55 2.2 16,489.10 7,495.04
108 3.7 103 27,943.15 1.4 369.67 264.05 1.9 9,983.40 5,254.42
109 3.4 81 24,014.67 1.2 127.80 106.50 1.7 5,327.98 3,134.11
110 3.1 62 20,172.32 1.1 28.97 26.33 1.5 2,513.55 1,675.70
111 2.9 46 15,901.35 1.0 4.37 4.37 1.2 988.66 823.89
112 2.6 32 12,684.39 0.0 0.26 0.00 1.0 224.10 224.10
113 2.4 22 9,280.74 0.0 0.28 0.00 0.0 13.45 0.00
114 2.1 14 6,823.56 0.0 0.29 0.00 0.0 14.25 0.00
Total Withdrawn$ 1,799,141.19$ 1,227,028.11$ 1,457,458.71