---
title: How is my RMD determined and will STRATA calculate it for me?
description: Your RMD is based on your account balance as of December 31 of the year that precedes the year you are taking the distribution. That number is then divided by the amount indicated in the IRS’s Uniform
---
[Skip to content](https://knowledge.stratatrust.com/how-is-my-rmd-calculated#main-content)
[](https://www.stratatrust.com/)
Open main navigation
Close main navigation
- [Log In](https://www.stratatrust.com/log-in/)
[Log In](https://www.stratatrust.com/log-in/)
How can we help you today?
- There are no suggestions because the search field is empty.
1. [Self-Directed Knowledge Center](https://knowledge.stratatrust.com/?hsLang=en)
2. [Required Minimum Distributions (RMDs)](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en)
3. [Calculating Your RMD](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en#calculating-your-rmd)
# How is my RMD determined and will STRATA calculate it for me?
Your RMD is based on your account balance as of December 31 of the year that precedes the year you are taking the distribution. That number is then divided by the amount indicated in the [IRS’s Uniform Lifetime Table](https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf).
STRATA calculates and provides RMD amounts for eligible IRA accounts by January 31 each year. If applicable to your account, the calculated RMD is shown in the **Quick Summary** section of your online account portal.
**Please note:**
- **Multiple accounts:** STRATA's calculation is based only on the IRA accounts held with STRATA. If you have retirement accounts with other custodians, inherited IRAs, or unique circumstances that may affect your RMD, consult a qualified tax professional.
- **Inherited IRAs:** STRATA does not calculate RMD amounts for inherited accounts. If you are a beneficiary, you are responsible for determining your required distribution. We recommend consulting a qualified tax professional for assistance.
- **RMD amounts:** You are not limited to withdrawing only your RMD amount. You may take distributions in excess of your required minimum distribution; however, amounts withdrawn above your RMD do not count toward future years' RMD requirements.
- **IRS reporting: ** All distributions taken from your account during the year will be reported on IRS Form 1099-R.
- **RMD calculator:** Visit STRATA's [RMD calculator](https://www.stratatrust.com/resource-center/financial-calculators/?tab-id=1#withdrawal-calculators)to view different scenarios.
- [Manage Your STRATA Account](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#main-content)
- [Online Account Access](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#online-account-access)
- [Account Maintenance & Forms](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#account-maintenance-forms)
- [Fees](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#fees)
- [Account Security & Protection](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#account-security-protection)
- [General Tips](https://knowledge.stratatrust.com/manage-your-strata-account?hsLang=en#general-tips)
- [Learn About Tax-Advantaged Accounts](https://knowledge.stratatrust.com/learn-about-tax-advantaged-accounts?hsLang=en#main-content)
- [Self-Directed IRAs](https://knowledge.stratatrust.com/learn-about-tax-advantaged-accounts?hsLang=en#self-directed-iras)
- [Benefciary/Inherited IRA](https://knowledge.stratatrust.com/learn-about-tax-advantaged-accounts?hsLang=en#benefciary-inherited-ira)
- [Trump Account](https://knowledge.stratatrust.com/learn-about-tax-advantaged-accounts?hsLang=en#trump-account)
- [Investment Options](https://knowledge.stratatrust.com/investment-options?hsLang=en#main-content)
- [Real Estate (Directly Owned)](https://knowledge.stratatrust.com/investment-options?hsLang=en#real-estate-directly-owned)
- [Private Equity](https://knowledge.stratatrust.com/investment-options?hsLang=en#private-equity)
- [Private Debt](https://knowledge.stratatrust.com/investment-options?hsLang=en#private-debt)
- [Gold & Precious Metals](https://knowledge.stratatrust.com/investment-options?hsLang=en#gold-precious-metals)
- [Other Private Assets](https://knowledge.stratatrust.com/investment-options?hsLang=en#other-private-assets)
- [Public Investments](https://knowledge.stratatrust.com/investment-options?hsLang=en#public-investments)
- [Funding & Transfers](https://knowledge.stratatrust.com/funding-transfers?hsLang=en#main-content)
- [Direct Transfer](https://knowledge.stratatrust.com/funding-transfers?hsLang=en#direct-transfer)
- [Rollover](https://knowledge.stratatrust.com/funding-transfers?hsLang=en#rollover)
- [Annual Contribution](https://knowledge.stratatrust.com/funding-transfers?hsLang=en#annual-contribution)
- [Conversion & Recharacterization](https://knowledge.stratatrust.com/funding-transfers?hsLang=en#conversion-recharacterization)
- [Distributions & Withdrawals](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#main-content)
- [Cash Distribution](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#cash-distribution)
- [Distribution (In-Kind)](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#distribution-in-kind)
- [Precious Metals Distribution - Liquidation Required](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#precious-metals-distribution-liquidation-required)
- [Delaware Depository](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#delaware-depository)
- [Texas Precious Metals Depository](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#texas-precious-metals-depository)
- [Tax Considerations](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#tax-considerations)
- [Transfers Out](https://knowledge.stratatrust.com/distributions-withdrawals?hsLang=en#transfers-out)
- [Required Minimum Distributions (RMDs)](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en#main-content)
- [Understanding RMDs](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en#understanding-rmds)
- [Calculating Your RMD](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en#calculating-your-rmd)
- [Taking Your RMD](https://knowledge.stratatrust.com/required-minimum-distributions-rmds?hsLang=en#taking-your-rmd)
- [IRS Reporting](https://knowledge.stratatrust.com/irs-reporting?hsLang=en#main-content)
- [Fair Market Value](https://knowledge.stratatrust.com/irs-reporting?hsLang=en#fair-market-value)
- [Investment Income & Taxes](https://knowledge.stratatrust.com/irs-reporting?hsLang=en#investment-income-taxes)
- [IRS Form 5498](https://knowledge.stratatrust.com/irs-reporting?hsLang=en#irs-form-5498)
- [IRS Form 1099-R](https://knowledge.stratatrust.com/irs-reporting?hsLang=en#irs-form-1099-r)
- [Get Started](https://www.stratatrust.com/get-started/)
- [Contact Us](https://www.stratatrust.com/contact-us/)
- [Self-Directed IRAs](https://www.stratatrust.com/sdiras/)
- [Insights Blog](https://www.stratatrust.com/resource-center/insights-blog/)
- [Resource Center](https://www.stratatrust.com/resource-center/)
- [Why STRATA](https://www.stratatrust.com/why-strata/)
[-3.png?width=201&height=68&name=STRATA_white%20(no%20background)-3.png "STRATA_white (no background)-3")](https://www.stratatrust.com/)
STRATA Trust Company (“STRATA”) performs the duties of a directed (passive) custodian, and as such does not provide due diligence to third parties regarding prospective investments, platforms, sponsors, dealers or service providers. As a custodian, STRATA does not sponsor, endorse or sell any investment and is not affiliated with any investment sponsor, issuer or dealer. STRATA does not provide investment, legal or tax advice. Individuals should consult with their investment, legal or tax professionals for such services.