Required Minimum Distribution (RMD) Calculator 2026

Once you reach RMD age, the IRS requires you to withdraw a minimum amount from traditional IRAs and workplace plans each year. Your RMD is last year-end balance divided by a factor from the IRS Uniform Lifetime Table.

Enter your numbers

Year you were bornAccount balance last December 31$Traditional IRA, 401(k), 403(b), etc.Expected return (for future years)%/yr

Your 2026 RMD$19,608balance ÷ 25.5 (IRS Uniform Lifetime Table, age 74)

Age	Year	Divisor	RMD
74	2026	25.5	$19,608
75	2027	24.6	$20,505
76	2028	23.7	$21,439
77	2029	22.9	$22,314
78	2030	22	$23,323
79	2031	21.1	$24,374
80	2032	20.2	$25,466
81	2033	19.4	$26,463
82	2034	18.5	$27,636
83	2035	17.7	$28,690
84	2036	16.8	$29,945
85	2037	16	$31,050

The first RMD can wait until April 1 of the following year, but then two RMDs are due that year. Roth IRAs have no RMDs for the owner. Use the Joint Life table instead if your spouse is your only beneficiary and more than 10 years younger.

Estimates only, not financial, tax, or investment advice.

When RMDs start

Born 1950 or earlier: you are already taking RMDs.
Born 1951–1959: age 73.
Born 1960 or later: age 75.

Missing an RMD

The penalty is 25% of the amount you should have withdrawn, reduced to 10% if you correct it within two years. You may need to file Form 5329.

Common questions

When do I have to start RMDs?

At 73 if you were born from 1951 through 1959, and at 75 if you were born in 1960 or later.

How is my RMD calculated?

Divide last December 31 balance by the factor for your age in the IRS Uniform Lifetime Table. For example, at 75 the factor is 24.6.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)