RMD Calculator

Calculate your 2026 Required Minimum Distribution from a traditional IRA or pre-tax 401(k) using the IRS Uniform Lifetime Table.

Currently optimized for U.S. retirement planning. Support for additional countries is planned.

How would you like to start?

Use the calculator independently, or prefill compatible information from one of your saved retirement plans.

Account balance as of Dec 31 last year

Use the account value on December 31 of the prior year.

Your age as of December 31 this year

RMDs generally start at age 73 (SECURE 2.0), or 72 if you were born in 1949 or 1950.

Additional pre-tax accounts (optional)

What is a Required Minimum Distribution (RMD)?

The IRS requires you to withdraw a minimum amount from your traditional IRA, SEP-IRA, SIMPLE IRA, or pre-tax 401(k) each year once you reach a certain age. These withdrawals are called Required Minimum Distributions (RMDs). You pay ordinary income tax on the amount withdrawn.

When do RMDs start?

Under the SECURE 2.0 Act, the RMD starting age is 73 for anyone born between 1951 and 1959, and 75 for those born in 1960 or later. The original SECURE Act raised the age from 70½ to 72 in 2020; SECURE 2.0 raised it again in 2023.

Your first RMD can be delayed until April 1 of the year after you turn 73 — but if you do, you'll take two RMDs that year (one by April 1, one by December 31), which could push you into a higher tax bracket.

How is the RMD calculated?

Your RMD = Prior year-end account balance ÷ IRS Uniform Lifetime Table divisor for your age.

The divisor decreases each year as you age, meaning a growing percentage of your balance must be withdrawn annually. At age 73 the divisor is 26.5 (~3.8% withdrawal rate); at age 85 it is 16.0 (~6.25%).

What happens if you miss an RMD?

Missing an RMD triggers a 25% excise tax on the amount not withdrawn. This is reduced to 10% if you take the missed RMD and file IRS Form 5329 within two years. The IRS may also waive the penalty in cases of reasonable cause.

Roth IRAs and RMDs

Roth IRAs are not subject to RMDs during the account owner's lifetime. Starting in 2024 (SECURE 2.0), Roth 401(k) accounts also no longer require RMDs. This makes Roth accounts valuable for reducing future taxable income and passing wealth to heirs.