RMD Calculator 2026

Calculator

2026 RMD Calculator

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Your age (Dec 31 of RMD year) 75

Use the age you'll be on December 31 of the calendar year for which you're calculating the RMD.

Account balance (Dec 31 of prior year)

Use the balance as of December 31 of the year before the RMD year.

Tax estimate

Federal tax bracket

Uses IRS Uniform Lifetime Table (Pub 590-B Table III). For spouses more than 10 years younger, the Joint Life Table applies — consult IRS Pub 590-B.

Your 2026 RMD

Distribution period (divisor) —

Account balance —

Distribution percentage —

Required minimum distribution —

Monthly equivalent —

Estimated federal tax —

After-tax amount —

⚠️ Missing this RMD triggers a 25% penalty on the shortfall (reduced to 10% if corrected within 2 years).

What this means

Enter your age and account balance to calculate your RMD.

Reference

IRS Uniform Lifetime Table

RMD = Account balance ÷ distribution period (divisor). Effective 2022, used for most account owners.

Age	Divisor	Withdrawal %	Age	Divisor	Withdrawal %

Source: IRS Publication 590-B, Table III (Uniform Lifetime). For a spouse who is the sole beneficiary and is more than 10 years younger, use Table II (Joint Life).

FAQ

Common Questions

When do I have to start taking RMDs?

Under SECURE 2.0, the RMD start age is currently 73. It increases to 75 for those who turn 74 after December 31, 2032. Your first RMD must be taken by April 1 of the year after you reach RMD age (this is called the Required Beginning Date). All subsequent RMDs are due by December 31 of each year. Taking two RMDs in one year (first plus second) can push you into a higher bracket — many people take the first by December 31 of the year they turn 73 to avoid this.

Which accounts require RMDs?

Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, 457(b)s, and TSPs all require RMDs. Roth IRAs do NOT require RMDs during the owner's lifetime. Starting in 2024, Roth 401(k)s also no longer require RMDs during the owner's lifetime. RMDs from each account type (IRAs vs 401(k)s) are calculated and taken separately.

What's the penalty if I miss an RMD?

Under SECURE 2.0, the penalty is 25% of the shortfall (down from the previous 50%). If you correct the missed RMD within 2 years (or the IRS's "correction window"), the penalty drops to 10%. File Form 5329 with your tax return to either pay the penalty or request a waiver for "reasonable cause."

Can I avoid RMDs?

A few strategies: (1) Roth conversions before age 73 — Roth IRAs have no RMDs. (2) Qualified Charitable Distributions (QCDs) — direct transfers up to $108,000/year from IRAs to charity satisfy your RMD and aren't taxed. (3) The "still working" exception — if you're still employed at age 73+ and don't own >5% of the company, you can delay RMDs from THAT employer's 401(k) until retirement. IRAs and prior employers' 401(k)s still require RMDs.