Required Minimum Distribution (RMD) Calculator

2026

Calculate your Required Minimum Distribution for Traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.
$

Required Minimum Distribution

$18,867.92

Distribution Period

26.5

Percentage of Account

3.77%

Monthly Equivalent

$1,572.33

Deadline Reminder

Your RMD must be taken by: April 1 of the year after you turn 73

Since this is your first RMD year, you may delay until April 1 of next year. However, you will then need to take two RMDs in that year (the delayed first-year RMD plus the current-year RMD).

Failure to take your full RMD results in a 25% penalty tax on the amount not distributed (reduced from 50% under SECURE 2.0).

10-Year RMD Projection (assuming 5% annual growth)

Age 73 (factor: 26.5)$18,867.92 from $500,000.00
Age 74 (factor: 25.5)$19,811.32 from $505,188.68
Age 75 (factor: 24.6)$20,717.33 from $509,646.23
Age 76 (factor: 23.7)$21,661.41 from $513,375.35
Age 77 (factor: 22.9)$22,545.84 from $516,299.64
Age 78 (factor: 22.0)$23,565.52 from $518,441.49
Age 79 (factor: 21.1)$24,626.53 from $519,619.77
Age 80 (factor: 20.2)$25,729.85 from $519,742.90
Age 81 (factor: 19.4)$26,737.82 from $518,713.70
Age 82 (factor: 18.5)$27,922.96 from $516,574.68

Use the Required Minimum Distribution (RMD) Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our RMD Calculator helps you determine the minimum amount you must withdraw from your Traditional IRAs and 401(k)s each year, starting at age 73 for those turning 73 in 2026 or later. Understanding your RMD is crucial to avoid steep 25% (or potentially 10%) IRS penalties on under-distributions. This tool uses the current IRS Uniform Lifetime Table to provide accurate 2026 RMD calculations.

This calculator employs the IRS Uniform Lifetime Table to determine your RMD. The formula is straightforward: your account balance as of December 31st of the prior year, divided by your distribution period (life expectancy factor) from the Uniform Lifetime Table for your current age. For example, if you are 73 in 2026, your distribution period will be 26.5.

Remember to use your account balance from December 31st of the *previous* year, not the current year's balance. A common mistake is forgetting to aggregate all your Traditional IRA balances before calculating the RMD. While you can take your total RMD from one IRA, the calculation must consider all your Traditional IRA assets.

Example: Calculating RMD for a 73-year-old in 2026

  1. 1 **Input:** John is 73 years old in 2026. His total Traditional IRA balance on December 31, 2025, was $500,000.
  2. 2 **Calculation:** According to the IRS Uniform Lifetime Table, the distribution period for a 73-year-old is 26.5. John's RMD is calculated as $500,000 / 26.5.
  3. 3 **Result:** John's Required Minimum Distribution for 2026 is $18,867.92.
  4. 4 **Context:** John must withdraw at least $18,867.92 from his Traditional IRAs by December 31, 2026, to avoid IRS penalties. He can take this amount from one or multiple Traditional IRA accounts.

Source: IRS · Last updated: April 2026

Frequently Asked Questions

At what age do Required Minimum Distributions start?
Under the SECURE 2.0 Act, RMDs begin at age 73 for those born between 1951-1959, and age 75 for those born in 1960 or later. Roth IRAs have no RMDs during the owner's lifetime.
How are RMDs calculated?
Divide your retirement account balance as of December 31 of the prior year by the IRS Uniform Lifetime Table factor for your age. For example, at age 73, the factor is 26.5, so a $500,000 balance requires an RMD of about $18,868.
What happens if I miss my RMD?
The penalty for failing to take an RMD was reduced from 50% to 25% of the missed amount under SECURE 2.0. If corrected within 2 years, the penalty drops further to 10%.

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