Calculators

Required Minimum Distribution (RMD) API

Compute the Required Minimum Distribution = prior year-end balance / IRS Uniform Lifetime Table distribution period for the account holder's age (RMDs begin at age 73 under SECURE 2.0), returning the factor, the RMD amount, and percent of balance. Estimate only. Answers 'RMD at age 75 on $500k','required minimum distribution amount','when do RMDs start','Uniform Lifetime Table factor for my age'.

Price$0.01per request

MethodPOST

Route/v1/calc/tax-rmd

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

taxrmdretirementirauniform-lifetimesecure-actdistributioncalc

API URLhttps://x402.hexl.dev/v1/calc/tax-rmd

Integration docs

Example request

{
  "age": 75,
  "balance": 500000
}

Example response

{
  "age": 75,
  "balance": 500000,
  "rmdRequired": true,
  "distributionPeriod": 24.6,
  "requiredMinimumDistribution": 20325.2,
  "percentOfBalance": 4.07,
  "note": "Estimate. RMD = prior year-end balance / IRS Uniform Lifetime Table factor; ages >100 use the age-100 factor."
}

Input schema

{
  "type": "object",
  "required": [
    "age",
    "balance"
  ],
  "properties": {
    "age": {
      "type": "number",
      "description": "Account holder's age (integer)",
      "examples": [
        75
      ]
    },
    "balance": {
      "type": "number",
      "description": "Prior year-end account balance in USD",
      "examples": [
        500000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}