RMD Calculator (2026)
Find your required minimum distribution from a traditional IRA or 401(k). Enter your age and balance to get this year’s RMD plus a multi-year projection, using the IRS Uniform Lifetime Table.
How RMDs work
Once you reach age 73, the IRS requires you to withdraw a minimum amount from tax-deferred accounts (traditional IRA, 401(k), 403(b)) each year. The amount is:
Prior year-end balance ÷ Uniform Lifetime Table factor
At 73 the factor is 26.5 (about 3.8% of the balance); the factor shrinks with age, so the percentage you must withdraw rises over time. Roth IRAs have no RMDs during the owner’s lifetime.
Watch the ripple effects
RMDs raise your taxable income — which can make more of your Social Security taxable and push you into a higher Medicare IRMAA bracket. See the related calculators below.
Related calculators
- 2026 Medicare IRMAA Calculator → — does your RMD push your premium up a bracket?
- Social Security Tax Calculator → — how much of your benefit becomes taxable
- Inherited IRA RMD Calculator → — the 10-year rule for beneficiaries
General estimate using the IRS Uniform Lifetime Table (Pub 590-B). Not tax advice. Assumes a sole/non-spouse-10-years-younger beneficiary scenario (the standard table); a spouse more than 10 years younger uses the Joint Life table. Verify with a tax professional.