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RMD calculator: your required minimum distribution for 2026 and 2027

Enter your birth year and your IRA balance on December 31 of last year. See your required minimum distribution, its deadline, the IRS divisor it uses, and how your RMDs could grow over the next years.

✓ TestedIRS Uniform Lifetime Table, checked against Publication 590-B
Required minimum distribution–

Projection: RMD each year if the account grows at the rate above and each RMD is taken at the end of the year

YearAgeDivisorBalance Dec 31 beforeRMD

RMD = the balance on December 31 of the previous year ÷ the divisor for your age on your birthday that year (IRS Uniform Lifetime Table, Publication 590-B, Table III). RMDs start in the year you turn 73 if you were born 1951–1959, and 75 if you were born in 1960 or later (SECURE 2.0). The first RMD can wait until April 1 of the next year, but then two are due that year. Each traditional IRA has its own RMD, but you can take the total from any of them; a 401(k)'s RMD must come from that plan (403(b) RMDs can be combined with each other). Missing an RMD costs a 25% excise tax on the shortfall, 10% if corrected in time. Roth IRAs have no RMDs for the owner. Inherited accounts follow different rules.

How it works

Your required minimum distribution for a year is the account balance on December 31 of the year before, divided by the divisor for your age on your birthday that year in the IRS Uniform Lifetime Table (Publication 590-B, Table III). The divisor falls every year, from 26.5 at 73 to 12.2 at 90, so the share you must take rises: 3.77% at 73, 8.20% at 90. The publication's own example gives the same answer here: $100,000 at age 75 in 2026, divided by 24.6, is $4,065. The table in this calculator was checked against the one in the IRS publication at every age, and the calculation against an independent one in 3,001 cases. More in the RMD guide.

Worked examples