Stretched IRA Calculator

Using proposed regulation

For more product information call the IRA Hotline at 1-888-661-7684.

If you are having difficulty using this Web site, please call Putnam Investments at 1-888-4-Putnam.

This calculator determines "required minimum distribution" amounts for traditional IRAs based upon methods described in proposed IRS regulations, using the values and elections you enter. Because the regulations require these amounts to be based upon the actual value of all the shareholder's traditional IRAs as of December 31 of the previous year, you should enter that amount in the field labeled "Plan Balance." For this reason as well, the amounts generated by this calculator with respect to future years are for illustrative purposes only and may be more or less than the actual required minimum distributions for the account in such years. To ensure the accuracy of required minimum distribution calculations for future years, you must use actual future account balance values.

Minimum distributions are not required from Roth IRAs while the owner is alive, regardless of the owner's age.