RMD Calculator 2026: Required Minimum Distribution

Enter details

Log in or create a free account to save your inputs and results, so you don't have to enter them again next time.🔒 No spam, ever. We never sell or share your details, and you can delete your history or account at any time. Privacy policy

Fill in the details and click Calculate to see your results.

Formula at a glance

RMD Calculator: RMD — balance on 31 Dec last year ÷ life expectancy factor. Example: Born 1952, $500,000 IRA → Your 2026 RMD: $19,607.84 — How the RMD Calculator works: RMD — balance on 31 Dec last year ÷ life expectancy factor

📱 Also in our Android apps

This calculator is in each of these free apps. Sign in with the same account to keep your history in sync.

Financial CalculatorEMI, SIP, PPF, NPS, post office schemes and government-employee calculatorsGet it on Google Play
Govt Employee CalculatorSalary, DA, pension and income tax for government employeesGet it on Google Play

Rate this calculator

Was it useful? A quick star rating helps others — and you can leave a comment too.

Rate it: ★ ★ ★ ★ ★

📘 About the RMD Calculator

Required minimum distributions (RMDs) are the smallest amounts you must withdraw each year from traditional IRAs, 401(k)s and similar accounts. They start in the year you turn 73 if you were born from 1951 to 1959, and at 75 if born in 1960 or later.

Each year's RMD is last 31 December's balance divided by the factor for your age in the IRS Uniform Lifetime Table — 26.5 at 73, 24.6 at 75 and 12.2 at 90. RMDs are taxed as ordinary income; missing one costs a 25% excise tax.

🧮 Formula

RMD

balance on 31 Dec last year ÷ life expectancy factor

✏️ Worked examples

Born 1952, $500,000 IRA

You enter
Year of birth	1952
Balance on 31 December last year	500,000 $
Distribution year	2026
Expected yearly growth	5%

You get
Your 2026 RMD	$19,607.84
Age this year	74
Distribution period (Uniform Lifetime Table)	25.5
Monthly if spread out	$1,633.99
Deadline	31 December 2026

$19,607.84.

Born 1949, $250,000

You enter
Year of birth	1949
Balance on 31 December last year	250,000 $
Distribution year	2026
Expected yearly growth	5%

You get
Your 2026 RMD	$10,917.03
Age this year	77
Distribution period (Uniform Lifetime Table)	22.9
Monthly if spread out	$909.75
Deadline	31 December 2026

$10,917.03.

🧭 How to use this calculator

What you enter

Year of birth
Balance on 31 December last year ($)
Distribution year
Expected yearly growth (%)

What you get

Your 2026 RMD
Age this year
Distribution period (Uniform Lifetime Table)
Monthly if spread out
Deadline

❓ Frequently asked questions

At what age do RMDs start?

73 for people born 1951–1959 and 75 for people born in 1960 or later. Your first RMD can be delayed to 1 April of the next year.

How is an RMD calculated?

Divide the account balance on 31 December of the previous year by the IRS life-expectancy factor for your age. At 74 that is 25.5, so $500,000 ÷ 25.5 = $19,608.

What if I miss an RMD?

The penalty is 25% of the amount not taken, cut to 10% if you correct it within two years.

Can I give my RMD to charity?

Yes, from age 70½ a qualified charitable distribution from an IRA counts towards the RMD and is not taxed.

🧮 RMD Calculator: Required Minimum Distribution (IRA & 401k)