Required minimum distributions

See when your withdrawals have to start, what this year's amount looks like, and how the requirement grows over the next decade.

For savers & retirees

01 | Estimate your RMD

Four inputs, one number.

Enter the account you're asking about and we'll apply the IRS Uniform Lifetime Table. Everything here is an estimate — read the assumptions below before acting on it.

Your account Year of birth Account type Balance on December 31, 2025 Assumed annual return (%) Situation Still working for this employer, under 5% owner? Sole beneficiary is a spouse 10+ years younger?

Your 2026 RMD $18,868

Your RMD age 73

First RMD year 2026

Table divisor 26.5

What this means

You reach age 73 in 2026, so distributions are underway. Your first RMD could have been delayed to April 1, 2027, but every later one is due by December 31.

Ten-year projection Starting 2026 · assumed return applied annually

Year	Age	Prior year-end balance	Divisor	RMD	% of balance
2026	73	$500,000	26.5	$18,868	3.77%
2027	74	$505,189	25.5	$19,811	3.92%
2028	75	$509,646	24.6	$20,717	4.07%
2029	76	$513,375	23.7	$21,661	4.22%
2030	77	$516,300	22.9	$22,546	4.37%
2031	78	$518,441	22.0	$23,566	4.55%
2032	79	$519,620	21.1	$24,627	4.74%
2033	80	$519,743	20.2	$25,730	4.95%
2034	81	$518,714	19.4	$26,738	5.15%
2035	82	$516,575	18.5	$27,923	5.41%

Estimates only — not tax advice.

02 | How the math works

Four steps, every year, for the rest of your life.

Find your RMD ageSECURE 2.0 sets it at 73 for those born 1951–1959 and 75 for 1960 and later. The year you reach it is your first distribution year.

Take the prior year-end balanceEvery RMD uses the fair market value of the account on December 31 of the preceding year — the figure on your year-end statement.

Divide by the table factorDivide that balance by the Uniform Lifetime Table divisor for the age you turn during the distribution year.

Withdraw by the deadlineTake it by December 31 — or by April 1 of the next year for your first RMD only — from the right account, and report it as income.

The deadline December 31 each year. Only your very first RMD can be pushed to April 1 of the following year — doing so stacks two taxable RMDs into one year.

The penalty Missing an RMD triggers a 25% excise tax on the shortfall, reduced to 10% if you correct it within the two-year window and file Form 5329.

Aggregation IRA RMDs are calculated per account but may be withdrawn from any one of them. Employer plan RMDs must each be taken from that plan.

Charitable option From age 70½ you can direct up to an indexed annual limit from an IRA to charity as a qualified charitable distribution, which can satisfy the RMD without showing up as income.

03 | What this tool assumes

Read these before you act on the number.

Every RMD calculator simplifies something. Here is exactly what this one does, so you know when your real number will differ.

Uniform Lifetime Table Every divisor comes from the IRS Uniform Lifetime Table (Table III) in the life-expectancy regulations effective for 2022 and later. If your sole beneficiary is a spouse more than 10 years younger, the Joint Life and Last Survivor Table applies instead and your actual RMD would be lower.

Age is by calendar year We use the age you attain during the distribution year — birth year only, not month or day. That is the right input for the divisor, but your required beginning date depends on your actual birthday.

RMD age from SECURE 2.0 Age 73 if you were born 1951–1959, and 75 if born in 1960 or later. Born 1950 or earlier, your RMDs already began under the prior age 70½ or 72 rules and this tool assumes age 72 for the divisor.

One account at a time The estimate covers the single balance you enter. IRA RMDs may be aggregated and taken from any one IRA; each 401(k), 403(b), or other employer plan must satisfy its own RMD separately. Roth accounts require none.

Prior year-end balance Each year’s RMD is calculated on the December 31 balance of the year before. The first row uses the balance you entered; later rows use a projected balance, not a real statement.

Flat growth, distributions at year end The projection applies your assumed return once per year and subtracts the RMD at year end. Real markets, contributions, rollovers, and mid-year withdrawals will all change the outcome.

No tax withholding modeled Amounts shown are gross distributions. RMDs from pre-tax accounts are ordinary income in the year received; federal and state withholding, IRMAA effects, and Social Security taxation are not calculated here.

Rules as of today Based on current law including SECURE 2.0. IRS tables and thresholds change, and inherited accounts, annuitized balances, still-working owners, and QLACs follow separate rules this tool does not cover.

This tool provides estimates for educational purposes and is not tax, legal, or investment advice. It does not cover inherited or beneficiary accounts, annuitized balances, qualified longevity annuity contracts, or plans with unusual distribution provisions. Confirm your actual required distribution with your plan administrator, IRA custodian, or CPA before withdrawing.

An RMD is a floor, not a plan.

Which account you draw from, how it interacts with Social Security and Medicare premiums, and whether a Roth conversion or charitable distribution makes sense — those are the decisions worth a conversation.