RMD Calculator

Calculate your Required Minimum Distribution (RMD) based on your age and account balance. Uses the IRS Uniform Lifetime Table.

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Your Age (as of Dec 31 this year)

Account Balance (Dec 31 prior year)

Expected Annual Return (%)

Your RMD for This Year

Distribution Period

Monthly Equivalent

% of Balance

Future RMD Projections

Age	Balance	RMD	Period

RMD Rules for 2026

Starting at age 73 (increased from 72 by SECURE Act 2.0), you must withdraw a minimum amount from Traditional IRAs, 401Ks, 403Bs, and other tax-deferred retirement accounts each year. The RMD is calculated by dividing your account balance (as of December 31 of the prior year) by the IRS distribution period for your age. Roth IRAs are exempt from RMDs during the owner's lifetime — another reason to consider a Roth Conversion.

Penalties for Missing RMDs

The penalty for failing to take your full RMD is 25% of the amount not withdrawn (reduced from 50% by SECURE Act 2.0). This drops to 10% if corrected within 2 years.

FAQs

When do RMDs start?

Age 73 for those born 1951-1959. Age 75 starting in 2033 for those born 1960 or later.

Can I take more than my RMD?

Yes — the RMD is a minimum, not a maximum. Withdrawing more can be strategic for tax planning. Check the impact with our Tax Bracket Calculator.

RMD Strategies for Tax Optimization

Roth conversions before 73: Convert Traditional IRA funds to Roth in lower-income years before RMDs begin. This reduces your future RMD amounts and creates a tax-free income source. Use our Roth Conversion Calculator.

Qualified Charitable Distributions (QCDs): After age 70½, you can donate up to $105,000 directly from your IRA to charity. This counts as your RMD but isn't included in taxable income — a powerful strategy if you're charitably inclined.

Aggregate across accounts: You must calculate RMDs separately for each IRA, but you can take the total from any one (or combination) of your Traditional IRAs. This lets you strategically draw from the account that makes the most tax sense.