Required Minimum Distributions: Owner With Spouse Beneficiary

Welcome to our Required Minimum Distribution Calculator. This tool is designed to determine the Minimum Distributions that are required from your tax deferred retirement accounts including Traditional IRAs, 401(k) plans, and other tax deferred plans.
To use the Calculator, simply enter the appropriate information in the fields below, then click the "View Results" button.

Please supply the following information:

Report for:       
Owner's Birthdate:    
Spouse Beneficiary's Birthdate:    
Your Overall Plan Balance* as of 12/31/2014:   
Estimated Annual Return on your Plan Investments:   
      (Click the checkbox if you want
   this to be a negative return)
Output report format:   

   View Results


If you have more than one retirement plan, you'll need to calculate the RMD of each plan separately. However, you may add the RMD amounts of all IRAs (including traditional, rollover, SIMPLE and SEP-IRAs) and withdraw the total amount from any one or more of your IRAs. The same rules apply to 403(b) accounts.

For example, assume that you have three IRAs. Your RMDs are $2,000 from the first IRA; $1,000 from the second IRA; and $1,000 from the third IRA. If you wish, you can take $4,000 from any one or more of your IRAs to satisfy your RMD for the year.

If you have accounts in several 401(k) or other employer-sponsored plans, the IRS generally requires you to calculate a separate RMD for each retirement plan in which you participate and withdraw the appropriate distribution from each plan.


Values illustrated depend on assumptions used and the data you input. Any change in hypothetical annual return will modify the values illustrated. We recommend that you use multiple annual rate of return scenarios (negative growth, no growth and positive growth) to illustrate the impact of various rates of return over the projected period. Investments offering the potential for higher rates of return also involve a higher degree of risk to principal. Also, be aware that high rates of return are generally not sustainable for long periods of time.

This calculator is not intended to serve as legal or investment advice. All examples are hypothetical and intended for illustrative purposes only. Review the list of assumptions when applying any results to your own situation. The information used in the functions of the calculator is based on our interpretation of the current tax laws; such laws may change from time to time. Be advised that you are responsible for your required minimum distribution and the accuracy of your tax return. Withdrawals of taxable amounts may be subject to ordinary income tax. You should periodically review your overall tax plan with a tax professional that knows your particular situation best. Neither JANUS nor its representatives give tax or legal advice.

Mutual funds generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. For more detailed information about taxes, consult your tax attorney or accountant for advice.

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