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Required Minimum Distribution Calculator

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Find out how much you must withdraw from a traditional IRA or 401(k) this year. The calculator applies the SECURE 2.0 start ages and the IRS Uniform Lifetime Table, and tells you when your first RMD is due.

By the CalcKite team · Last reviewed 19 Oct 2026 · Formula · Cite · Embed

Required Minimum Distribution Calculator

Estimate your required minimum distribution (RMD) from an IRA or 401(k) using the IRS Uniform Lifetime Table, with your start age under SECURE 2.0 and a 10-year projection.

RMD = account balance on Dec 31 of last year ÷ distribution period for your age Distribution period = IRS Uniform Lifetime Table (e.g. 26.5 at 73, 25.5 at 74, 24.6 at 75) Start age: 73 if born 1951–1959, 75 if born 1960 or later

Example: Born in 1952, $250,000 balance, 2026 RMD. Age in 2026: 74; Uniform Lifetime Table divisor: 25.5; RMD: $250,000 ÷ 25.5: $9,803.92; Deadline: December 31, 2026.

Understand the resultHow it works, worked example, formula and FAQ
Related calculators401(k) · Roth IRA · Retirement

How to use the Required Minimum Distribution Calculator

Enter the year you were born, the year you’re calculating for and your account balance on December 31 of the year before. Choose the account type, and say whether your spouse is more than 10 years younger and your only beneficiary. The green box shows your RMD, with the divisor used and the deadline. The table projects the next 10 years at the growth rate you choose.

Worked examples

Born in 1952, $250,000 balance, 2026 RMD

Age in 202674
Uniform Lifetime Table divisor25.5
RMD: $250,000 ÷ 25.5$9,803.92
DeadlineDecember 31, 2026

Born in 1960

First RMD year2035, the year you turn 75

Assumptions and limits

  • Uses the IRS Uniform Lifetime Table (Publication 590-B), which applies to most account owners.
  • If your spouse is more than 10 years younger and your sole beneficiary, the Joint Life table gives a lower RMD than shown here.
  • Inherited IRAs follow different rules and aren’t covered.
  • Tax rules change. Confirm with your plan administrator or a tax professional; the divisors here were reviewed in October 2026.

Formula

RMD = account balance on Dec 31 of last year ÷ distribution period for your age Distribution period = IRS Uniform Lifetime Table (e.g. 26.5 at 73, 25.5 at 74, 24.6 at 75) Start age: 73 if born 1951–1959, 75 if born 1960 or later

Frequently asked questions

When do I have to start taking RMDs?

Under SECURE 2.0, at 73 if you were born 1951–1959 and at 75 if born in 1960 or later. The first RMD can wait until April 1 of the next year, but then two are due that year.

Do Roth IRAs have RMDs?

Not for the original owner. Since 2024, Roth 401(k) and Roth 403(b) accounts don’t need lifetime RMDs either.

What happens if I miss an RMD?

The IRS penalty is 25% of the amount you should have withdrawn, reduced to 10% if you correct it within two years.

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Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.