RMD Calculator (Required Minimum Distribution)
Calculate IRS Required Minimum Distribution from a Traditional IRA or 401(k) using the 2026 Uniform Lifetime Table.
FINANCECalculate your IRS Required Minimum Distribution (RMD) from a Traditional IRA, 401(k), 403(b), or other tax-deferred retirement account. Uses the 2026 Uniform Lifetime Table for ages 73+ per SECURE Act 2.0.
RMD = prior year-end balance / IRS distribution factor. The Uniform Lifetime Table factors decrease with age: 73 = 26.5, 80 = 20.2, 90 = 12.2, 100 = 6.4. SECURE Act 2.0 raised the RMD start age from 72 to 73 in 2023, and to 75 starting 2033. The penalty for missing dropped from 50% to 25% (10% if corrected within 2 years).
RMD Calculator (Required Minimum Distribution)
Calculate your IRS Required Minimum Distribution from a Traditional IRA, 401(k), or other tax-deferred retirement account. Uses the 2026 Uniform Lifetime Table for ages 73+.
Deadline
December 31 each year. First RMD only: deadline is April 1 of the year after you turn 73.
Penalty for Missing
25% excise tax on the amount not withdrawn (was 50% before SECURE Act 2.0). Reduced to 10% if corrected within 2 years.
Projected RMDs (next 5 years, assuming 5% growth)
| Age | RMD |
|---|---|
| 73 | $18,868 |
| 74 | $19,811 |
| 75 | $20,717 |
| 76 | $21,661 |
| 77 | $22,546 |
Understanding RMDs
A Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw from your tax-deferred retirement accounts (Traditional IRA, 401(k), 403(b), 457(b), SEP-IRA, SIMPLE IRA) starting at age 73. Roth IRAs have no RMDs during the original owner's lifetime. The math: RMD = prior year-end balance ÷ distribution factor from the IRS Uniform Lifetime Table.
The 2026 IRS Uniform Lifetime Table factors (the values used in the denominator): age 73 = 26.5, 74 = 25.5, 75 = 24.6, 76 = 23.7, 80 = 20.2, 85 = 16.0, 90 = 12.2, 95 = 8.9, 100 = 6.4. A 75-year-old with $500,000 in a Traditional IRA has an RMD of $500,000 / 24.6 = $20,325.
SECURE Act 2.0 (2022) raised the RMD age from 72 to 73 starting 2023, and will raise it again to 75 starting in 2033. The penalty for missing an RMD dropped from 50% to 25%, or 10% if corrected within 2 years. You can take RMDs from any one account (or several) as long as the total satisfies the requirement, but 401(k) RMDs must come from each 401(k) separately.
Estimate using the IRS Uniform Lifetime Table. Special rules apply if your sole beneficiary is a spouse more than 10 years younger (Joint Life Table), or for inherited IRAs (different rules under SECURE Act). Consult a CPA or financial advisor for your specific situation.