RMD Calculator 2026 — Required Minimum Distribution
Calculate your 2026 required minimum distribution from your IRA, 401(k), and other retirement accounts using the official IRS Uniform Lifetime Table.
Use your Dec 31, 2025 balance. The IRS requires you to use your account balance as of December 31 of the prior year. Missing an RMD results in a 25% penalty on the shortfall.
RMDs for 2026: Use your account balance as of December 31, 2025. The IRS requires you to withdraw a minimum amount each year based on your age and balance. Missing your RMD results in a 25% penalty on the amount not withdrawn.
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RMDs start at age 73 for someone born in 1952.
RMD Calculator — Frequently Asked Questions
- Use your account balance as of December 31, 2025. This is the balance the IRS requires you to use for calculating your 2026 required minimum distribution, regardless of what the balance is now.
- Under the SECURE 2.0 Act, the RMD starting age depends on your birth year: age 72 for those born in 1950 or earlier, age 73 for those born between 1951 and 1959, and age 75 for those born in 1960 or later. You must take your first RMD by April 1 of the year after you reach your required beginning age.
- Yes — for traditional IRAs, you can aggregate all your IRA balances, calculate the total RMD, and take the full amount from any one or combination of your IRAs. However, this aggregation rule does not apply to 401(k), 403(b), or 457(b) accounts. Each employer plan requires its own separate RMD withdrawal.
- The IRS charges a 25% excise tax on any RMD amount you failed to withdraw. If you self-correct the mistake within two years (by withdrawing the missed amount and filing Form 5329), the penalty is reduced to 10%. The IRS may also waive the penalty entirely for a first-time mistake in certain circumstances.
- No — Roth IRAs are not subject to RMDs during the original owner's lifetime. This is one of the key tax advantages of Roth accounts. However, inherited Roth IRAs (from a non-spouse) are generally subject to the 10-year rule for distributions.
- RMD withdrawals are taxable income and are added to your MAGI, which Medicare uses to determine your IRMAA surcharge with a 2-year lookback. A large RMD in 2024 can raise your 2026 Medicare premiums. Our calculator links to the IRMAA calculator so you can estimate the Medicare impact of your required withdrawals.