justyourcalculatorRMD Calculator
Find this year's required minimum distribution and project future ones.
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RMD Calculator
Your required minimum distribution this year and later
Used to project future balances and RMDs.
2026 required minimum distribution
$19,607.84
Age 74: $500,000 ÷ 25.5
- Distribution period
- 25.5
- Share of the balance
- 3.92%
- Deadline
- December 31, 2026
IRS Uniform Lifetime Table (in effect since 2022). If your sole beneficiary is a spouse more than 10 years younger, the Joint Life Table gives a smaller RMD. Missing an RMD costs a 25% excise tax (10% if fixed in time). Roth IRAs have no RMDs for the owner.
- RMD
| Year | Age | Prior-year balance | Factor | RMD |
|---|---|---|---|---|
| 2026 | 74 | $500,000 | 25.5 | $19,608 |
| 2027 | 75 | $504,412 | 24.6 | $20,505 |
| 2028 | 76 | $508,103 | 23.7 | $21,439 |
| 2029 | 77 | $510,997 | 22.9 | $22,314 |
| 2030 | 78 | $513,117 | 22 | $23,323 |
| 2031 | 79 | $514,283 | 21.1 | $24,374 |
| 2032 | 80 | $514,405 | 20.2 | $25,466 |
| 2033 | 81 | $513,386 | 19.4 | $26,463 |
| 2034 | 82 | $511,269 | 18.5 | $27,636 |
| 2035 | 83 | $507,815 | 17.7 | $28,690 |
| 2036 | 84 | $503,081 | 16.8 | $29,945 |
| 2037 | 85 | $496,792 | 16 | $31,050 |
| 2038 | 86 | $489,030 | 15.2 | $32,173 |
| 2039 | 87 | $479,700 | 14.4 | $33,312 |
| 2040 | 88 | $468,706 | 13.7 | $34,212 |
| 2041 | 89 | $456,219 | 12.9 | $35,366 |
| 2042 | 90 | $441,896 | 12.2 | $36,221 |
| 2043 | 91 | $425,959 | 11.5 | $37,040 |
| 2044 | 92 | $408,365 | 10.8 | $37,812 |
| 2045 | 93 | $389,081 | 10.1 | $38,523 |
| 2046 | 94 | $368,086 | 9.5 | $38,746 |
| 2047 | 95 | $345,807 | 8.9 | $38,855 |
| 2048 | 96 | $322,300 | 8.4 | $38,369 |
| 2049 | 97 | $298,127 | 7.8 | $38,221 |
| 2050 | 98 | $272,901 | 7.3 | $37,384 |
| 2051 | 99 | $247,293 | 6.8 | $36,367 |
| 2052 | 100 | $221,473 | 6.4 | $34,605 |
| 2053 | 101 | $196,211 | 6 | $32,702 |
| 2054 | 102 | $171,685 | 5.6 | $30,658 |
| 2055 | 103 | $148,078 | 5.2 | $28,477 |
| 2056 | 104 | $125,582 | 4.9 | $25,629 |
| 2057 | 105 | $104,950 | 4.6 | $22,815 |
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How the rmd calculator works
Once you reach RMD age you must withdraw a minimum amount each year from traditional IRAs, 401(k)s and similar accounts. The amount is last year's December 31 balance divided by the distribution period for your age in the IRS Uniform Lifetime Table: 26.5 at 73, 24.6 at 75, 20.2 at 80.
Under SECURE 2.0, RMDs start at 73 if you were born from 1951 to 1959 and at 75 if you were born in 1960 or later. Your first RMD can wait until April 1 of the next year, but then you take two in one year.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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