RMD Calculator (2026)
Calculate your IRS Required Minimum Distribution (RMD) for 2026. Updated for SECURE Act 2.0 with current longevity tables and age requirements.
RMD Calculator
Calculate your Required Minimum Distribution for Retirement Accounts
Standard Profiles (Uniform Lifetime)
Estimated Required Distribution
Standard Yield
$18,867.92
| IRS Distribution Period Factor | 26.5 |
| Percentage of Total Balance | 3.77% |
Account Impact
Taxes Deferred
Taxable Dist.
How to Use RMD Calculator (2026) in 3 Easy Steps
1
Step 1
Enter your retirement account balance as of December 31st of the previous year.
2
Step 2
Provide your current age and account type.
3
Step 3
Instantly view your required annual distribution amount.
Frequently Asked Questions
Under SECURE Act 2.0, the starting age for RMDs is 73 for individuals born before 1960.
Yes, you can always withdraw more than the minimum. However, only the minimum amount counts toward satisfying your RMD requirement for the year.
You may be subject to an excise tax of 25% of the amount not distributed. This can be reduced to 10% if corrected within a certain window.
Generally, no. Original owners of Roth IRAs are not required to take RMDs. However, beneficiaries of inherited Roth IRAs may have distribution requirements.