RMD Calculator (2026)
Your required minimum distribution for 2026, using the current IRS Uniform Lifetime Table. Enter your age and last year's ending balance — the answer updates as you type.
Independent Free No sign-up Sources: IRS Publication 590-B
RMDs start at 73 (born 1951–1958) or 75 (born 1960 or later). For 1959 the rule is not settled.
Traditional IRA, 401(k), 403(b), SEP, or SIMPLE IRA. Add balances of the same type together.
Your 2026 required minimum distribution
$10,162.60
At age 75, the IRS divides your balance by 24.6 — about 4.07% of your account this year.
- IRS Uniform Lifetime Table (2026)
- Balance as of Dec 31, 2025
- Educational estimate
Spouse more than 10 years younger? If they're your sole beneficiary, you may use the IRS Joint Life table (Table II) instead — your RMD would be smaller than shown here. See the note in our Uniform Lifetime Table guide.
How we calculate this
RMD = account balance on December 31 of last year ÷ the distribution period for your age from the IRS Uniform Lifetime Table (Table III, Publication 590-B, the revision in effect since 2022). At age 75 the distribution period is 24.6, so $250,000 ÷ 24.6 = $10,162.60. We update the table each year from the IRS source.
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What is a required minimum distribution?
Once you reach your RMD age, the IRS requires you to withdraw at least a minimum amount from pre-tax retirement accounts every year — that's the required minimum distribution. The amount is recalculated annually from your year-end balance and your age, so it changes every year.
Withdrawing more than the minimum is always allowed. Withdrawing less triggers an excise tax of 25% on the shortfall (reduced to 10% if you fix it within two years), so most people set up an automatic withdrawal with their custodian in early December.
RMD age by birth year
| Year you were born | Your RMD starting age | First RMD year |
|---|---|---|
| 1950 or earlier | 72 (or earlier rules) | Already begun |
| 1951–1958 | 73 | Year you turn 73 |
| 1959 | Not settled: 73 or 75 | 2032 (age 73) or 2034 (age 75) — confirm with your plan administrator or the IRS |
| 1960 or later | 75 | Year you turn 75 |
Why 1959 is different: SECURE 2.0 lists people born in 1959 under both the age-73 and the age-75 provisions. The IRS final regulations (T.D. 10001, July 2024) left that case reserved. The IRS proposed regulations (REG-103529-23) would set age 73, but they are not final, and IRS educational material shows age 75. Until the IRS settles it, this calculator shows both possible dates for a 1959 birth year instead of picking one.
Want the factor for every age? See the full RMD table (with a printable PDF) or the annotated Uniform Lifetime Table. Planning for 2027? The 2027 RMD table and calculator shows who owes a 2027 RMD by birth year and the deadlines through April 1, 2028. Inherited an account? Rules are different — use the inherited IRA RMD calculator.
Frequently asked questions
How is my 2026 RMD calculated?
Divide your retirement account balance on December 31, 2025 by the IRS Uniform Lifetime Table factor for your age at the end of 2026. For example, at age 75 the factor is 24.6, so a $250,000 IRA has an RMD of about $10,163. This is the same worksheet method the IRS publishes in Publication 590-B.
What age do RMDs start?
Under SECURE 2.0, if you were born 1951–1958 your RMDs start at age 73. If you were born in 1960 or later, they start at age 75. People born in 1950 or earlier were already taking RMDs at 72 or earlier ages. Born in 1959? The law gives two answers (73 and 75) and the IRS has not finalized which applies: its 2024 proposed regulations say 73 (first RMD year 2032), while IRS educational material shows 75 (first RMD year 2034). Confirm with your plan administrator or the IRS.
Is this the same as the Fidelity, Vanguard, or AARP RMD calculator?
All correct RMD calculators use the same IRS Uniform Lifetime Table, so the math here matches what Fidelity, Vanguard, Schwab, or AARP would show for the same inputs. Pensora is independent — no login, no account required, and your numbers never leave your browser.
Does this work for 401(k) accounts too?
Yes. The same Uniform Lifetime Table applies to traditional 401(k), 403(b), traditional IRA, SEP IRA, and SIMPLE IRA accounts. One difference: IRA RMDs can be aggregated and taken from any one IRA, but 401(k) RMDs must be taken separately from each plan.
What if my spouse is more than 10 years younger?
If your spouse is your sole beneficiary AND more than 10 years younger than you, you may use the IRS Joint Life and Last Survivor Expectancy table (Table II) instead, which gives a larger factor and a smaller RMD. This calculator uses the standard Uniform Lifetime Table; see IRS Publication 590-B for Table II.
What is the deadline for taking my RMD?
December 31 each year. Exception: your very first RMD may be delayed until April 1 of the following year — but then you would take two RMDs in one tax year. Missing an RMD can trigger a 25% excise tax on the amount not withdrawn (10% if corrected within two years).
Do Roth IRAs have RMDs?
No. Roth IRAs have no RMDs during the owner’s lifetime. As of 2024, Roth 401(k) accounts no longer have RMDs either. Inherited Roth accounts do have distribution requirements for beneficiaries.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with the SSA, the IRS, or any government agency. For decisions about your own situation, consider a licensed financial advisor.