Saving for retirement and spending it
RMD Calculator: Required Minimum Distribution (2026)
Calculate your required minimum distribution (RMD) for 2026 from the IRS Uniform Lifetime Table, and see the next 15 years of RMDs for your IRA or 401(k).
Your 2026 RMD
Required Withdrawal| Age | Prior Dec 31 Balance | IRS Divisor | RMD | Projected Year-End Balance |
|---|---|---|---|---|
| Age 73 | $650,000 | 26.5 | $24,528 | $656,745 |
| Age 74 | $656,745 | 25.5 | $25,755 | $662,540 |
| Age 75 | $662,540 | 24.6 | $26,933 | $667,388 |
| Age 76 | $667,388 | 23.7 | $28,160 | $671,190 |
| Age 77 | $671,190 | 22.9 | $29,310 | $673,974 |
| Age 78 | $673,974 | 22.0 | $30,635 | $675,506 |
| Age 79 | $675,506 | 21.1 | $32,014 | $675,666 |
| Age 80 | $675,666 | 20.2 | $33,449 | $674,328 |
| Age 81 | $674,328 | 19.4 | $34,759 | $671,547 |
| Age 82 | $671,547 | 18.5 | $36,300 | $667,010 |
| Age 83 | $667,010 | 17.7 | $37,684 | $660,792 |
| Age 84 | $660,792 | 16.8 | $39,333 | $652,532 |
| Age 85 | $652,532 | 16.0 | $40,783 | $642,336 |
| Age 86 | $642,336 | 15.2 | $42,259 | $630,081 |
| Age 87 | $630,081 | 14.4 | $43,756 | $615,642 |
How This Calculator Works
This calculator works out the minimum you must withdraw each year from a pre-tax retirement account: a Traditional IRA, SEP IRA, SIMPLE IRA, or a Traditional 401(k) or 403(b). It divides your balance by a factor from the IRS Uniform Lifetime Table (Publication 590-B, Table III). That table does not cover inherited accounts or a spouse who is more than 10 years younger, which use different tables. If you have not reached RMD age yet, the calculator grows your balance to that age at your expected return and shows your first RMD then.
Under the SECURE 2.0 Act, you start taking RMDs at 73 if you were born between 1951 and 1959. If you were born in 1960 or later, the starting age is 75, beginning in 2033. Roth IRAs and Roth 401(k)s have no RMDs while the original owner is alive.
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