TSP RMD calculator
Estimate the annual minimum from your Traditional balance.
- Rule snapshot
- Reviewed
- Primary sources
- IRS and TSP distribution rules
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Your RMD result
What the estimate does
It applies one published IRS factor to one participant-owned Traditional TSP balance.
- 01
Find the applicable age
The distribution year and birth year select the Uniform Lifetime factor.
- 02
Use the prior-year balance
The source amount is the Traditional TSP balance at the prior December 31 close.
- 03
Subtract current-year payments
The result separates the full annual minimum from the amount that remains.
Planning a recurring payment instead of the legal minimum?
Use the monthly withdrawal plannerImportant boundaries
- Participant-owned accounts only; inherited and beneficiary accounts are excluded
- Uniform Lifetime Table only; the Joint Life table must be used when a sole-beneficiary spouse is more than 10 years younger
- Traditional TSP balance only; a participant's designated Roth balance has no lifetime RMD
- No tax, withholding, rollover, qualified-charitable-distribution, annuity, or account-administration determination
TSP RMD questions
How is a TSP RMD calculated?
For the standard participant case, divide the prior December 31 Traditional TSP balance by the IRS life-expectancy factor for the participant's age in the distribution year.
Does Roth TSP money have a lifetime RMD?
No. IRS guidance says designated Roth accounts are not subject to lifetime RMDs for the original owner. Beneficiary rules are different.
Can a current federal employee delay a TSP RMD?
A workplace-plan participant can generally delay RMDs from that plan until retirement. This calculator requires the employment status for the selected year and directs users to confirm dates with TSP.
What if my spouse is more than 10 years younger?
If that spouse is the sole beneficiary, the IRS Joint Life and Last Survivor table applies. This calculator stops that case instead of using the smaller Uniform Lifetime factor.
Does this calculate tax or withholding?
No. It estimates the annual minimum only. Taxability, withholding, rollovers, inherited accounts, annuities and account processing remain outside its scope.