Retirement Resource Center
Your Retirement Years
Tools to Make a Plan
Minimum Required Distribution Calculator
Your Minimum Required Distribution (MRD) for the current year is generally determined by dividing the adjusted market value of your tax-deferred retirement account as of December 31 of the prior year by an applicable life expectancy factor taken from IRS tables. This calculator will automatically determine your MRD for this year.
For more information see
Learn About MRDs
Calculate your MRD
1. Enter your retirement balance* as of 12/ 31/ 2017:
(adjust this balance, if necessary, for any outstanding rollovers or transfers)
2. Enter the month and year of your birth:
3. Only if your spouse will be your sole primary beneficiary for the entire distribution calendar year and is more than 10 years younger than you
enter the month and year of your spouse's birth:
If not, skip this question.
4. For projected future MRDs and account balances, enter an
anticipated rate of return for the account or use the rate shown:
*MRDs are calculated using the market value of each of your retirement accounts as of December 31 of the prior year, adjusted for any pending transfers or rollovers. For example, if you had withdrawn an amount from an IRA at another institution or commenced a transfer within the last 60 days of the prior year calendar year that you then transferred or rolled all or a portion of that distribution into a Fidelity IRA this year, you must add the amount of the transfer or rollover to the prior year's December 31 balance on your Fidelity IRA. MRDs must be calculated on an account-by-account basis. Please refer to your year-end statement for your 12/31 balance and your first quarter statement for any adjustment amounts.
**In this case, the 2002 IRS final regulations allow the use of a joint life expectancy which will result in a lower MRD amount. Your spouse must be your sole beneficiary for the entire year (except if your spouse beneficiary dies or divorces after January 1 of the distribution calendar year). If your spouse is not the sole beneficiary, this method will understate your MRD.
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