🏛️
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).
Disclaimer: Special rules apply if your sole beneficiary is a spouse 10+ years younger (Joint Life Table) or for inherited IRAs. Consult a CPA for your specific situation.
Loading calculator…
Advertisement
Frequently Asked Questions
When do I have to start taking RMDs?
Age 73 under current law (SECURE Act 2.0, 2023). The age rises to 75 starting in 2033. Your first RMD must be taken by April 1 of the year after you turn 73 (giving you a one-time extension). After that, all RMDs are due by December 31 each year. Miss the deadline and the IRS charges a 25% excise tax (down from 50% pre-2023).
How do I calculate my RMD?
RMD = prior year-end balance / IRS distribution factor. The factor comes from the Uniform Lifetime Table and decreases with age: age 73 = 26.5, age 80 = 20.2, age 90 = 12.2. A $500,000 balance at age 75 (factor 24.6) yields an RMD of $500,000 / 24.6 = $20,325. The factor is updated whenever IRS issues new mortality tables.
Do Roth IRAs have RMDs?
Roth IRAs have NO RMDs during the original owner's lifetime. Roth 401(k)s used to require RMDs but SECURE Act 2.0 eliminated them starting 2024. Inherited Roth IRAs do have RMDs under the 10-year rule. Traditional IRAs, Traditional 401(k)s, 403(b)s, 457(b)s, SEP-IRAs, and SIMPLE IRAs all require RMDs at 73.
Sponsored