RMD Calculator 2026 - Required Minimum Distribution

Account Balance ($)

Balance as of December 31 of the prior year

Owner's Age

RMD age is 73 under SECURE 2.0 Act

Account Type

Determines which IRS table to use

Filing Status (for tax estimate)

Used to estimate federal income tax on your RMD

Disclaimer

This tool provides estimates for educational purposes only and is not tax or financial advice. Results use 2026 federal figures and IRS Uniform Lifetime Table values. They do not account for state taxes, multiple accounts, Roth conversions, or your full financial situation. Consult a qualified tax professional or financial advisor before making distribution decisions.

How this is calculated

A Required Minimum Distribution (RMD) is the minimum amount you must withdraw from a tax-deferred retirement account each year once you reach the required age. The calculation follows IRS rules from Publication 590-B:

Under the SECURE 2.0 Act, RMDs begin at age 73 (effective 2023+). The age increases to 75 in 2033.
RMD = Prior year-end account balance ÷ Distribution Period from the IRS Uniform Lifetime Table.
The Uniform Lifetime Table is used for traditional IRAs and 401(k)s owned by the account holder.
For inherited IRAs, the Single Life Table based on the beneficiary's age is used instead.
Under the SECURE Act 10-year rule, most non-spouse beneficiaries must empty inherited accounts within 10 years. If the original owner died on or after their Required Beginning Date, annual RMDs also apply during years 1–9.
The estimated federal income tax uses 2026 brackets and the standard deduction for your filing status, assuming the RMD is your only income.

Sources

Reviewed against 2026 figures · Last updated June 6, 2026

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What is RMD Calculator?

An RMD (Required Minimum Distribution) calculator determines the minimum amount you must withdraw from tax-deferred retirement accounts — such as traditional IRAs, 401(k)s, and inherited IRAs — once you reach the required age. For 2026, the RMD age is 73 under the SECURE 2.0 Act. The calculator uses the IRS Uniform Lifetime Table for own accounts and the Single Life Table for inherited IRAs, and also estimates the federal income tax on your distribution.

How to Use

Enter your retirement account balance as of December 31 of the prior year.
Enter your age (must be 73 or older for an RMD to apply).
Select your account type: Traditional IRA, 401(k), or Inherited IRA.
For inherited IRAs, enter the beneficiary's age and whether the original owner died before or after their Required Beginning Date.
Choose your filing status for an estimated federal income tax calculation.
Click Calculate to see your RMD, distribution period, and estimated tax.

Why Use This Tool?

See your exact 2026 RMD using the IRS Uniform Lifetime Table

Understand the distribution period that applies to your age

Get an estimated federal income tax on your RMD

Calculate inherited IRA RMDs with the Single Life Table

Learn how the SECURE Act 10-year rule affects inherited accounts

Avoid costly penalties by knowing your required withdrawal amount

Tips & Best Practices

The RMD age is 73 in 2026 — you must take your first RMD by April 1 of the year after you turn 73
The penalty for missing an RMD is 25% of the shortfall (10% if corrected within two years)
Roth IRAs no longer have RMDs during the owner's lifetime (SECURE 2.0 Act)
You can always withdraw more than your RMD — there is no maximum
If you have multiple IRAs, you can aggregate their RMDs but must calculate each separately
For 401(k) plans, you may be able to delay RMDs if you are still working for that employer

Frequently Asked Questions

What is the RMD age in 2026?

Under the SECURE 2.0 Act, the RMD age is 73 for 2026. This was raised from 72 (the pre-2023 age) and will increase to 75 starting in 2033. You must take your first RMD by April 1 of the year after you turn 73.

How is RMD calculated?

RMD is calculated by dividing your retirement account balance as of December 31 of the prior year by the distribution period from the IRS Uniform Lifetime Table that corresponds to your age. For example, a 73-year-old with a $500,000 balance would divide by 26.5, resulting in an RMD of approximately $18,868.

What happens if I don't take my RMD?

Under the SECURE 2.0 Act, the penalty for missing an RMD was reduced from 50% to 25% of the shortfall. If you correct the missed RMD within two years, the penalty drops to 10%. You must also pay income tax on the missed distribution.

Do Roth IRAs have RMDs?

Starting in 2024 under the SECURE 2.0 Act, Roth IRAs no longer have RMDs during the original owner's lifetime. However, inherited Roth IRAs are still subject to RMD rules and the 10-year rule for non-eligible designated beneficiaries.

How does the inherited IRA 10-year rule work?

Under the SECURE Act, most non-spouse beneficiaries must withdraw the entire balance of an inherited IRA within 10 years of the original owner's death. If the original owner died on or after their Required Beginning Date, annual RMDs must also be taken during years 1–9, with the full balance withdrawn in year 10.

Can I take more than my RMD?

Yes, you can always withdraw more than your RMD. There is no penalty for taking larger distributions. However, any amount withdrawn above the RMD does not reduce future RMDs — each year's RMD is calculated based on that year's account balance and your current age.