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RMD Calculator 2026

Calculate your exact Required Minimum Distribution using the real IRS Uniform Lifetime Table — not an estimate, the actual formula the IRS uses.

2026 IRS table No signup required Source: IRS Pub. 590-B

Calculate Your RMD

Your 2026 Required Minimum Distribution

What This Number Means

This is the minimum amount you're required to withdraw from this account by December 31, 2026 — not a suggested amount, a legal minimum. You can withdraw more if you need to, but not less, without triggering a penalty.

Miss it and the penalty is real: 25% of the amount you should have withdrawn (reduced to 10% if corrected within two years). See our full RMD penalties guide if you've already missed a deadline.

Why It Matters — Beyond the Penalty

Your RMD counts as ordinary taxable income the year you take it. A large RMD can push you into a higher tax bracket, trigger or increase Medicare IRMAA surcharges two years later, and increase how much of your Social Security benefit is taxable. This is why RMD timing is a real planning decision, not just a compliance task.

Eligibility Rules — When RMDs Actually Start

Born	RMDs begin at age
1950 or earlier	72 (or 70½ if turned 70½ before 2020)
1951–1959	73
1960 or later	75

Exceptions Worth Knowing

Still working? If you're still employed and don't own more than 5% of the company, you may be able to delay RMDs from that employer's 401(k) specifically — this exception doesn't apply to IRAs.

Roth IRA owner? No RMDs during your lifetime — this calculator doesn't apply to your own Roth IRA.

Inherited account? Different rules apply, often the 10-year rule rather than the Uniform Lifetime Table. See our inherited IRA guide for the real rules.

Source & Methodology

This calculator uses the IRS Uniform Lifetime Table from Publication 590-B (the table that applies to most account owners — not the Joint Life table used when a spouse is the sole beneficiary and more than 10 years younger). Divide your account balance by the life-expectancy factor matching your age to get your RMD.