---
title: "Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0)."
method: POST
path: "/v1/retirement/rmd"
tags: ["Retirement"]
---

# Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0).

`POST /v1/retirement/rmd`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/retirement/rmd`
- Auth: none declared

Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0).

Payment: x402 ($0.10 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: RMD = priorYearEndBalance ÷ Uniform Lifetime Table factor for your age (IRS Pub 590-B Table III); required when age ≥ 73

## Request body

- object
  - `accountBalance` number, required
  - `age` number, required

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)