Required Minimum Distribution Calculator
Once you turn 73, the IRS requires a minimum annual withdrawal from pre-tax retirement accounts. This calculator finds your RMD using the IRS Uniform Lifetime Table.
How this calculator works
Your RMD is your December 31 account balance divided by the life expectancy factor from the IRS Uniform Lifetime Table for your age. For 2026, RMDs begin at age 73. Missing an RMD triggers a 25% excise tax (reduced to 10% if corrected promptly), so the deadline matters.
Frequently asked questions
At what age do RMDs start?
For 2026, age 73 for people born in 1951 through 1959. Under SECURE 2.0, the age rises to 75 for those born in 1960 or later. Your first RMD can be delayed to April 1 of the year after you turn 73 — but then you take two distributions in one year.
Do Roth accounts have RMDs?
Roth IRAs have no RMDs during the owner's lifetime — one reason conversions can be attractive. Roth 401(k)s were also freed from RMDs starting in 2024; rolling them to a Roth IRA avoids the requirement entirely.
Can I take more than the minimum?
Yes — the RMD is a floor, not a ceiling. Extra withdrawals reduce your balance and future RMDs, and are simply taxed as ordinary income.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.