RMD Calculator 2026 (USA)
Estimate your 2026 Required Minimum Distribution (RMD) from a Traditional IRA or 401(k) based on your account balance and age.
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Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
How does this RMD Calculator work?
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How does this RMD Calculator work?
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It applies the IRS Uniform Lifetime Table life-expectancy factor for your age to your account balance to estimate your required minimum distribution. It shows gross distribution only — federal and state taxes on the withdrawal aren't included.
At what age do RMDs start?
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At what age do RMDs start?
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Age 73 for most account holders under current law (age 75 for those born in 1960 or later, per SECURE 2.0). The calculator returns $0 before your required beginning age.
What happens if I don't take my full RMD?
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What happens if I don't take my full RMD?
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The IRS can charge an excise tax on the shortfall — 25% of the amount not withdrawn, reduced to 10% if corrected within the IRS's correction window. Take the full calculated amount by the deadline to avoid the penalty.
Do I need to calculate RMDs separately for each retirement account?
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Do I need to calculate RMDs separately for each retirement account?
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For most IRAs, you calculate each account's RMD separately but can withdraw the total from any one IRA or a combination. Employer plans like 401(k)s generally require the RMD to be taken from that specific plan. Rules differ by account type, so confirm with your plan administrator.
Are RMD rules different for inherited accounts?
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Are RMD rules different for inherited accounts?
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Yes, often significantly — many non-spouse beneficiaries must fully distribute an inherited account within 10 years, with different rules depending on the original owner's age and the beneficiary's relationship. This calculator uses the standard Uniform Lifetime Table for account owners, not inherited-account rules.
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How this RMD calculator works
Required Minimum Distributions (RMDs) must be taken from Traditional IRAs, 401(k)s and most other tax-deferred retirement accounts starting at age 73 (under SECURE 2.0, enacted 2022). The RMD equals the prior year-end account balance divided by the IRS Uniform Lifetime Table factor.
- Find the IRS Uniform Lifetime Table life expectancy factor for your age.
- RMD = prior December 31 account balance ÷ life expectancy factor.
- Multiple accounts' RMDs can be aggregated from IRAs but must be taken separately from 401(k)s.
- The RMD is added to your taxable income for the year and taxed as ordinary income.
RMD rules changed under SECURE 2.0. Spouses and certain eligible designated beneficiaries have different rules. Consult an IRA custodian or tax professional.
Sources & references
- Publication 590-B, Distributions from IRAs — Appendix B, Table III (Uniform Lifetime), and Tax on excess accumulations — Internal Revenue Service
- Retirement plan and IRA required minimum distributions FAQs — Internal Revenue Service
Calculation type: Rule-based calculation. Uses 2026 rates and thresholds. Figures are taken from Internal Revenue Service — see sources below.
Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked
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