What's inside
- RMD: your RMD age (73 or 75 under SECURE 2.0), first RMD year, divisor and deadline; up to 10 accounts with balances and what you've taken so far
- What to take: IRAs added up (take it from any IRA), 403(b)s added up, each 401(k), 457(b) or other plan on its own; the still-working exception; tax withheld and what you receive
- First-year choice: take the first RMD this year, or wait until April 1 and take two next year (the second is bigger, and this shows by how much)
- Missed RMD: the 25% excise tax, or 10% if corrected in time
- Projection: the next 25 years of RMDs at your growth rate; the IRS divisor table built in
- Sample: born 1953, five accounts: $22,377.36 required for 2026, $16,377.36 still to take ($11,283.02 from any IRA, $1,811.32 from the 403(b), $3,283.02 from the old 401(k))
Checked, not just designed: all 241 formulas recalculate with zero errors, the divisor table matches the IRS publication at every age, and every result was checked against an independent calculation in 20 cases, including the IRS's own example.
Works in Excel and Google Sheets. Not covered: the Joint Life table, inherited accounts, QCDs. Not tax advice.
Try the free version first
The free online calculator uses the same model for a quick answer. The spreadsheet adds tracking, history and the full views.