RMD Calculator: Required Minimum Distribution (RMD) & IRA Distribution Calculator
For Reference Only
These figures are estimates based on standard formulas. Your actual numbers will depend on your lender, location, credit profile, and current market rates. Always confirm with a licensed professional before making financial decisions.
Calculation Results
Must be withdrawn by December 31, 2026 (or April 1, 2027 if first RMD)
Put This Number to Work
A calculator result is only useful if you act on it. Use these figures as a baseline — then compare them against real loan offers, run different scenarios, and see how small changes in rate or term shift your total cost significantly.
How to Calculate Your Required Minimum Distribution (RMD) in 2026
Our free RMD calculator (Required Minimum Distribution calculator) helps retirees, financial planners, and beneficiaries determine the exact mandatory withdrawal required by the Internal Revenue Service (IRS). Whether you are managing a Traditional IRA, SEP-IRA, SIMPLE IRA, or employer-sponsored 401(k), calculating your distribution accurately protects you from severe IRS tax penalties while keeping your retirement income plan on track.
The Official IRS RMD Formula Explained
Calculating your minimum distribution is straightforward when using the official IRS formula. The IRS requires you to use the fair market value of your account at the close of business on December 31 of the previous year and divide it by your life expectancy divisor from IRS Uniform Lifetime Table III.
Look at your year-end statement (e.g., Dec 31, 2025 balance for your 2026 RMD).
Find your age as of Dec 31 of the distribution year in the IRS table below.
Divide the balance by the factor. Withdraw the full amount before Dec 31.
2026 IRS Uniform Lifetime Table (Table III)
Official IRS life expectancy divisors and required withdrawal percentages for single life, married owners whose spouses are not more than 10 years younger, and married owners whose spouses are not the sole beneficiaries.
| Age | Distribution Period (Divisor) | Required Distribution % | Example Withdrawal ($100k Balance) |
|---|---|---|---|
| 72 | 27.4 | 3.65% | $3,649.64 |
| 73 | 26.5 | 3.77% | $3,773.58 |
| 74 | 25.5 | 3.92% | $3,921.57 |
| 75 | 24.6 | 4.07% | $4,065.04 |
| 76 | 23.7 | 4.22% | $4,219.41 |
| 77 | 22.9 | 4.37% | $4,366.81 |
| 78 | 22 | 4.55% | $4,545.45 |
| 79 | 21.1 | 4.74% | $4,739.34 |
| 80 | 20.2 | 4.95% | $4,950.5 |
| 81 | 19.4 | 5.15% | $5,154.64 |
| 82 | 18.5 | 5.41% | $5,405.41 |
| 83 | 17.7 | 5.65% | $5,649.72 |
| 84 | 16.8 | 5.95% | $5,952.38 |
| 85 | 16 | 6.25% | $6,250 |
| 86 | 15.2 | 6.58% | $6,578.95 |
| 87 | 14.4 | 6.94% | $6,944.44 |
| 88 | 13.7 | 7.3% | $7,299.27 |
| 89 | 12.9 | 7.75% | $7,751.94 |
| 90 | 12.2 | 8.2% | $8,196.72 |
| 91 | 11.5 | 8.7% | $8,695.65 |
| 92 | 10.8 | 9.26% | $9,259.26 |
| 93 | 10.1 | 9.9% | $9,900.99 |
| 94 | 9.5 | 10.53% | $10,526.32 |
| 95 | 8.9 | 11.24% | $11,235.96 |
| 96 | 8.4 | 11.9% | $11,904.76 |
| 97 | 7.8 | 12.82% | $12,820.51 |
| 98 | 7.3 | 13.7% | $13,698.63 |
| 99 | 6.8 | 14.71% | $14,705.88 |
| 100 | 6.4 | 15.63% | $15,625 |
| 101 | 6 | 16.67% | $16,666.67 |
| 102 | 5.6 | 17.86% | $17,857.14 |
| 103 | 5.2 | 19.23% | $19,230.77 |
| 104 | 4.9 | 20.41% | $20,408.16 |
| 105 | 4.6 | 21.74% | $21,739.13 |
| 106 | 4.3 | 23.26% | $23,255.81 |
| 107 | 4.1 | 24.39% | $24,390.24 |
| 108 | 3.9 | 25.64% | $25,641.03 |
| 109 | 3.7 | 27.03% | $27,027.03 |
| 110 | 3.5 | 28.57% | $28,571.43 |
| 111 | 3.4 | 29.41% | $29,411.76 |
| 112 | 3.3 | 30.3% | $30,303.03 |
| 113 | 3.1 | 32.26% | $32,258.06 |
| 114 | 3 | 33.33% | $33,333.33 |
| 115 | 2.9 | 34.48% | $34,482.76 |
| 116 | 2.8 | 35.71% | $35,714.29 |
| 117 | 2.7 | 37.04% | $37,037.04 |
| 118 | 2.5 | 40% | $40,000 |
| 119 | 2.3 | 43.48% | $43,478.26 |
| 120 | 2 | 50% | $50,000 |
Source: IRS Publication 590-B (Distributions from Individual Retirement Arrangements). Updated for the 2026 tax year.
When Do RMDs Start? SECURE Act 2.0 Age Rules
The Setting Every Community Up for Retirement Enhancement (SECURE) Act 2.0 established a phased increase in the required beginning date for mandatory distributions:
Applies to individuals born on or before December 31, 1950.
Applies to individuals born between 1951 and 1959 (Turning 73 between 2024 and 2032).
Applies to individuals born on January 1, 1960, or later (Taking effect in 2033+).
IRA Distribution Rules vs. 401(k) Minimum Distribution Rules
Understanding account aggregation is essential when utilizing an ira minimum distribution calculator versus a workplace retirement calculator:
Traditional, SEP & SIMPLE IRAs (Aggregation Allowed)
If you hold multiple Traditional IRAs at Vanguard, Fidelity, Schwab, or other institutions, you calculate the RMD for each account separately, add the figures together, and withdraw the total from any single IRA or combination of IRAs.
401(k) & 403(b) Plans (No Cross-Plan Aggregation)
Workplace 401(k) plans cannot be aggregated across different plan sponsors. You must satisfy the RMD for each specific 401(k) plan directly from that plan. However, if you are still working past 73 and do not own >5% of the company, you can defer RMDs from your current employer's plan until actual retirement.
Tax Tip: Lower Your RMD Tax Hit with a QCD
Because RMD withdrawals are taxed at your ordinary federal and state income tax rates, large distributions can push you into higher tax brackets and trigger higher Medicare IRMAA surcharges. If you do not need the distribution for living expenses, you can direct up to $108,000 per year directly to charity via a Qualified Charitable Distribution (QCD) starting at age 70½.
Tax Source Verification: Calculated in accordance with IRS Publication 590-B, Internal Revenue Code (IRC) Section 401(a)(9), and Treasury Regulation § 1.401(a)(9)-9 (Uniform Lifetime Table).
Disclaimer: This online RMD calculator is provided for educational and illustrative purposes. SmartCalcLabs does not provide personalized tax or legal advice. Always consult a Certified Public Accountant (CPA) or licensed financial advisor for your specific tax situation.
Frequently Asked Questions
Authoritative answers to common questions about this calculation
Q1.What is a Required Minimum Distribution (RMD)?
Q2.How do you calculate your Required Minimum Distribution (RMD formula)?
Q3.What is the RMD starting age under SECURE Act 2.0 in 2026?
Q4.How does an IRA distribution calculator differ for multiple Traditional IRAs vs 401(k)s?
Q5.What is the penalty for missing an RMD or withdrawing too little?
Q6.Do Roth IRAs have required minimum distributions?
Q7.Can I satisfy my RMD using a Qualified Charitable Distribution (QCD)?
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