Important: This calculator is for educational and illustrative purposes only and is intended for an original account owner using the IRS Uniform Lifetime Table. It does not calculate inherited IRA distributions or the Joint Life and Last Survivor Table for an owner whose sole-beneficiary spouse is more than 10 years younger. Employer-plan rules, delayed retirement exceptions, outstanding rollovers, prior-year adjustments, qualified charitable distributions, taxes, and other circumstances may affect the calculation. Confirm the amount and deadline with the account custodian and qualified tax or financial professionals.