RMD calculator
This year’s required minimum distribution from a traditional IRA or 401(k), and the ones after it, from the IRS Uniform Lifetime Table.
Your numbers
For the years after this one.
Result
Your 2026 RMD
$19,608
$500,000 ÷ 25.5 (age 74) = 3.92% of the balance
- RMD start age
- 73
- RMDs over 20 years
- $593,768
- Balance at the end of 2045
- $379,900
| Year | RMD |
|---|---|
| 2026 | $19,608 |
| 2028 | $21,481 |
| 2030 | $23,420 |
| 2032 | $25,630 |
| 2034 | $27,885 |
| 2036 | $30,299 |
| 2038 | $32,654 |
| 2040 | $34,844 |
| 2042 | $37,033 |
| 2044 | $38,829 |
| 2045 | $39,655 |
| Year | Age | Prior year-end balance | Period | RMD |
|---|---|---|---|---|
| 2026 | 74 | $500,000 | 25.5 | $19,608 |
| 2027 | 75 | $504,902 | 24.6 | $20,524 |
| 2028 | 76 | $509,109 | 23.7 | $21,481 |
| 2029 | 77 | $512,547 | 22.9 | $22,382 |
| 2030 | 78 | $515,232 | 22 | $23,420 |
| 2031 | 79 | $516,989 | 21.1 | $24,502 |
| 2032 | 80 | $517,724 | 20.2 | $25,630 |
| 2033 | 81 | $517,339 | 19.4 | $26,667 |
| 2034 | 82 | $515,873 | 18.5 | $27,885 |
| 2035 | 83 | $513,084 | 17.7 | $28,988 |
| 2036 | 84 | $509,026 | 16.8 | $30,299 |
| 2037 | 85 | $503,421 | 16 | $31,464 |
| 2038 | 86 | $496,341 | 15.2 | $32,654 |
| 2039 | 87 | $487,688 | 14.4 | $33,867 |
| 2040 | 88 | $477,358 | 13.7 | $34,844 |
| 2041 | 89 | $465,512 | 12.9 | $36,086 |
| 2042 | 90 | $451,799 | 12.2 | $37,033 |
| 2043 | 91 | $436,430 | 11.5 | $37,950 |
| 2044 | 92 | $419,353 | 10.8 | $38,829 |
| 2045 | 93 | $400,521 | 10.1 | $39,655 |
RetirementPace is an educational tool, not financial, tax or legal advice. RetirementPace is not a registered investment adviser.
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How it works
The start age comes from your birth year under SECURE 2.0. Once you reach it, each year’s RMD is the balance on 31 December of the year before divided by the distribution period for the age you reach that year, from the Uniform Lifetime Table in IRS Publication 590-B. As you age the period shrinks, so the share you must take rises.
For the years after this one, the balance grows at the return you enter, less each year’s RMD, taken through the year. Anything you withdraw above the RMD would make later RMDs smaller. Amounts after this year are in future dollars.
Worked example
Someone born in 1952 reaches 74 in 2026. With $500,000 in a traditional IRA on 31 December 2025, the period is 25.5, so the 2026 RMD is $19,608, or 3.92% of the balance.
Questions
When do required minimum distributions start?
At 73 if you were born from 1951 to 1959, and at 75 if you were born in 1960 or later. Your first RMD is for the year you reach that age.
How is an RMD calculated?
Take the account’s balance on 31 December of the year before and divide it by the distribution period for the age you reach this year, from the IRS Uniform Lifetime Table. At 75 the period is 24.6, so a $100,000 balance means an RMD of about $4,065.
Can I delay my first RMD?
The first one can wait until 1 April of the following year. Every later RMD is due by 31 December, so delaying the first means taking two in the same year, both taxed in that year. This calculator shows each RMD in the year it is for.
Do I take one RMD from each account?
Each account’s RMD is worked out separately. For IRAs you may add them up and take the total from any one or more of your IRAs; an RMD from a 401(k) or similar plan has to come from that plan.
Do Roth accounts have RMDs?
Not during the owner’s lifetime: Roth IRAs never have, and designated Roth accounts in a 401(k) or 403(b) no longer do. Beneficiaries who inherit them follow different rules.
What if my spouse is much younger?
If your spouse is the sole beneficiary and more than 10 years younger, the IRS Joint Life and Last Survivor table applies instead and the RMD is smaller. This calculator uses the Uniform Lifetime Table only.