Required Minimum Distribution (RMD) Calculator

The IRS requires you to withdraw a minimum amount from tax-deferred retirement accounts (Traditional IRA, 401k, 403b) starting at age 73 (under the SECURE 2.0 Act). Missing or under-taking your RMD triggers a 25% excise tax on the shortfall. Enter your account balance and age to calculate your 2026 RMD using the IRS Uniform Lifetime Table.

Enter Your Measurements

Account Balance (Dec 31 Prior Year) ($)($)

Your Age (as of Dec 31 this year)(years)

Results

Required Minimum Distribution (Annual)

20,325

USD

Monthly Equivalent

1,694

USD

IRS Distribution Period (years)

24.6

years

Penalty if RMD Missed (25%)

5,081

USD

Formula

RMD = Account Balance ÷ IRS Distribution Period (Uniform Lifetime Table)

How to Use This Calculator

How to Use

1
Enter your account balance as of December 31 of the prior year (use the year-end statement).
2
Enter your age as of December 31 of the current tax year.
3
The calculator looks up your IRS distribution period from the Uniform Lifetime Table.
4
Your RMD equals your balance divided by the distribution period.
5
You must withdraw at least this amount by December 31 (or April 1 in your first RMD year).

Frequently Asked Questions

What age do RMDs start?

Under the SECURE 2.0 Act (effective 2023), RMDs begin at age 73 for most people. If you turn 73 in 2024 or later, your first RMD is due by April 1 of the following year. All subsequent RMDs are due by December 31.

Do I have to take an RMD from my Roth IRA?

No — Roth IRAs are not subject to RMDs during the owner's lifetime. However, Roth 401(k)s were subject to RMDs before 2024; SECURE 2.0 eliminated Roth 401(k) RMDs starting in 2024.

What happens if I take more than my RMD?

You can always withdraw more than your RMD — there's no cap on withdrawals. The extra amount is taxable as ordinary income, but there's no penalty for exceeding the minimum.

Can I aggregate RMDs across multiple IRAs?

Yes — if you have multiple Traditional IRAs, you calculate each account's RMD separately, but you can aggregate them and take the total from any one (or combination) of your IRAs. 401(k) and other employer plan RMDs must be taken from each plan separately.

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About This Calculator

This calculator uses the formula: RMD = Account Balance ÷ IRS Distribution Period (Uniform Lifetime Table). All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.

Built and maintained by the CalcSmart team. Last updated March 2026.

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