RMD Calculator

Calculate your Required Minimum Distribution from traditional IRAs, 401(k)s, and other tax-deferred retirement accounts. Uses the IRS Uniform Lifetime Table III with SECURE 2.0 start ages.

Account Information

Account Balance (Prior Year-End)

Dec 31 balance of all tax-deferred accounts

Your Current Age

Birth YearDetermines your RMD start age under SECURE 2.0

Spouse Age (Optional)If sole beneficiary & 10+ years younger, uses Joint Life Table

2026 RMD

Required Distribution

$18,868

Distribution Period

26.5

Uniform Table III

Withdrawal Rate

3.8%

Remaining After RMD

$481,132

Projected RMDs

Growth Rate%

Age	Year-Start Balance	RMD	% of Balance	Cumulative RMDs
75	$551,250	$22,409	4.1%	$22,409
76	$555,284	$23,430	4.2%	$45,838
77	$558,447	$24,386	4.4%	$70,225
78	$560,763	$25,489	4.5%	$95,714
79	$562,038	$26,637	4.7%	$122,351
80	$562,171	$27,830	5.0%	$150,181
81	$561,058	$28,920	5.2%	$179,101
82	$558,744	$30,202	5.4%	$209,304
83	$554,969	$31,354	5.6%	$240,658
84	$549,795	$32,726	6.0%	$273,384
85	$542,923	$33,933	6.3%	$307,317
86	$534,440	$35,161	6.6%	$342,477
87	$524,243	$36,406	6.9%	$378,883
88	$512,229	$37,389	7.3%	$416,272
89	$498,582	$38,650	7.8%	$454,922
90	$482,929	$39,584	8.2%	$494,506
91	$465,512	$40,479	8.7%	$534,985
92	$446,284	$41,323	9.3%	$576,308
93	$425,210	$42,100	9.9%	$618,408
94	$402,265	$42,344	10.5%	$660,752

Projections assume 5.0% annual growth on remaining balance after each RMD. Actual returns will vary.

How RMDs Work

Required Minimum Distributions (RMDs) are mandatory annual withdrawals from tax-deferred retirement accounts. The IRS requires you to begin taking RMDs at a certain age, based on your birth year under the SECURE 2.0 Act:

Born 1950 or earlier: RMDs start at age 72
Born 1951–1959: RMDs start at age 73
Born 1960 or later: RMDs start at age 75

RMD = Prior Year-End Balance ÷ Distribution Period

Your distribution period comes from the IRS Uniform Lifetime Table III, which decreases with age (e.g., 27.4 at age 72, down to 2.0 at age 120). A shorter period means a larger required withdrawal.

Joint Life Table exception: If your sole beneficiary is a spouse more than 10 years younger, you can use IRS Table II instead, which provides a longer distribution period and smaller RMD.

Penalty for missed RMDs: The SECURE 2.0 Act reduced the penalty from 50% to 25% of the shortfall (10% if corrected within two years). Take your RMDs on time.