RMD Calculator

Your details

Your total traditional IRA, 401(k), 403(b), or 457(b) balance as of December 31 of the prior year. Roth IRAs do not have lifetime RMDs and are excluded.
USD
Your age as of your birthday in the RMD year. RMDs begin at age 73 (age 75 for those born in 1960 or later under SECURE 2.0).
years
If your only beneficiary is a spouse who is more than 10 years younger than you, you may use the IRS Joint and Last Survivor Table (Table II), which produces a longer distribution period and a lower RMD.
Used only for the multi-year projection table. The RMD for the current year is independent of future returns.
%
Currency
Required Minimum DistributionRMD is 4.1% of balance
$20,325.20

Your minimum required withdrawal this tax year

Distribution period (divisor)24.6
Remaining balance (after RMD)$479,674.80
RMD as % of account0.04%
Penalty if missed (25%)$5,081.30
Required Distribution$20,325.20
Remaining Balance$479,674.80

Your 2026 RMD is $20,325.20.

  • Your RMD of $20,325.20 is calculated by dividing your $500,000.00 balance by the IRS distribution period of 24.6 years for age 75.
  • This RMD represents 4.07% of your account. After the withdrawal, your balance would be approximately $479,674.80.
  • If your account earns a return greater than your RMD percentage, the balance can still grow over time even while you take required distributions.

Next stepYou must take your RMD by December 31 each year (April 1 the year after you first become required to take an RMD). Missing it triggers a 25% IRS excise tax on the shortfall.

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