# x402toll Required Minimum Distribution (RMD) Calculator

> x402toll Required Minimum Distribution (RMD) Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Calculates the IRS Required Minimum Distribution amount from a traditional IRA or 401(k) using the Uniform Lifetime Table for a given age and prior year-end account balance.

## Facts

- Endpoint: POST https://x402toll.com/v1/retirement/rmd
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402toll-required-minimum-distribution-rmd-calculator-677255e9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_SK5rqDm92lBN-_I5lGRMP

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability x402toll-required-minimum-distribution-rmd-calculator-677255e9 -d '<json body>'
```

Example prompt: I'm 76 years old and my traditional IRA had a balance of $820,000 at the end of last year — what's my required minimum distribution for this year using the IRS Uniform Lifetime Table?

## When to prefer this

Use this endpoint when you need a quick, IRS-compliant RMD calculation for a traditional IRA or 401(k) based on the Uniform Lifetime Table and SECURE 2.0 rules (RMDs begin at age 73). Prefer this over manual calculation or general tax APIs when you specifically need the mandatory withdrawal floor for retirement account compliance.

## Known failure modes

- Age below 72 or above 100 returns validation error (minimum age 72, maximum 100)
- Account balance exceeds $100 billion cap returns validation error
- Missing required fields (age or accountBalance) returns 400-level error
- Payment of $0.10 USDC not provided or failed returns 402 Payment Required

## How this service works

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).

## Output

Returns the calculated RMD dollar amount the account holder must withdraw for the year, derived from the IRS Uniform Lifetime Table divisor for the given age applied to the prior year-end account balance.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "age": {
   "type": "number",
   "maximum": 100,
   "minimum": 72
  },
  "accountBalance": {
   "type": "number",
   "maximum": 100000000000,
   "minimum": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-required-minimum-distribution-rmd-calculator-677255e9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)