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RMD Calculator - Required Minimum Distributions Calculator

US 2026 living original owner's traditional IRA, Uniform Lifetime Table III only. Excludes sole-beneficiary spouse more than 10 years younger, inherited IRA, Roth and workplace plans. Prior-year-end balance must incorporate applicable IRS transfer/rollover adjustments. Ages 73+ only. First-RMD April 1 deferral does not remove the year's obligation; excess distributions cannot carry forward. Excludes tax and penalties.

US 2026 living original owner's traditional IRA, Uniform Lifetime Table III only. Excludes sole-beneficiary spouse more than 10 years younger, inherited IRA, Roth and workplace plans. Prior-year-end balance must incorporate applicable IRS transfer/rollover adjustments. Ages 73+ only. First-RMD April 1 deferral does not remove the year's obligation; excess distributions cannot carry forward. Excludes tax and penalties.

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Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

Uniform Lifetime denominator(age == 73 ? 26.5 : (age == 74 ? 25.5 : (age == 75 ? 24.6 : (age == 76 ? 23.7 : (age == 77 ? 22.9 : (age == 78 ? 22 : (age == 79 ? 21.1 : (age == 80 ? 20.2 : (age == 81 ? 19.4 : (age == 82 ? 18.5 : (age == 83 ? 17.7 : (age == 84 ? 16.8 : (age == 85 ? 16 : (age == 86 ? 15.2 : (age == 87 ? 14.4 : (age == 88 ? 13.7 : (age == 89 ? 12.9 : (age == 90 ? 12.2 : (age == 91 ? 11.5 : (age == 92 ? 10.8 : (age == 93 ? 10.1 : (age == 94 ? 9.5 : (age == 95 ? 8.9 : (age == 96 ? 8.4 : (age == 97 ? 7.8 : (age == 98 ? 7.3 : (age == 99 ? 6.8 : (age == 100 ? 6.4 : (age == 101 ? 6 : (age == 102 ? 5.6 : (age == 103 ? 5.2 : (age == 104 ? 4.9 : (age == 105 ? 4.6 : (age == 106 ? 4.3 : (age == 107 ? 4.1 : (age == 108 ? 3.9 : (age == 109 ? 3.7 : (age == 110 ? 3.5 : (age == 111 ? 3.4 : (age == 112 ? 3.3 : (age == 113 ? 3.1 : (age == 114 ? 3 : (age == 115 ? 2.9 : (age == 116 ? 2.8 : (age == 117 ? 2.7 : (age == 118 ? 2.5 : (age == 119 ? 2.3 : 2)))))))))))))))))))))))))))))))))))))))))))))))
2026 required distributionbalance/(age == 73 ? 26.5 : (age == 74 ? 25.5 : (age == 75 ? 24.6 : (age == 76 ? 23.7 : (age == 77 ? 22.9 : (age == 78 ? 22 : (age == 79 ? 21.1 : (age == 80 ? 20.2 : (age == 81 ? 19.4 : (age == 82 ? 18.5 : (age == 83 ? 17.7 : (age == 84 ? 16.8 : (age == 85 ? 16 : (age == 86 ? 15.2 : (age == 87 ? 14.4 : (age == 88 ? 13.7 : (age == 89 ? 12.9 : (age == 90 ? 12.2 : (age == 91 ? 11.5 : (age == 92 ? 10.8 : (age == 93 ? 10.1 : (age == 94 ? 9.5 : (age == 95 ? 8.9 : (age == 96 ? 8.4 : (age == 97 ? 7.8 : (age == 98 ? 7.3 : (age == 99 ? 6.8 : (age == 100 ? 6.4 : (age == 101 ? 6 : (age == 102 ? 5.6 : (age == 103 ? 5.2 : (age == 104 ? 4.9 : (age == 105 ? 4.6 : (age == 106 ? 4.3 : (age == 107 ? 4.1 : (age == 108 ? 3.9 : (age == 109 ? 3.7 : (age == 110 ? 3.5 : (age == 111 ? 3.4 : (age == 112 ? 3.3 : (age == 113 ? 3.1 : (age == 114 ? 3 : (age == 115 ? 2.9 : (age == 116 ? 2.8 : (age == 117 ? 2.7 : (age == 118 ? 2.5 : (age == 119 ? 2.3 : 2)))))))))))))))))))))))))))))))))))))))))))))))
Remaining required withdrawalmax(0,balance/(age == 73 ? 26.5 : (age == 74 ? 25.5 : (age == 75 ? 24.6 : (age == 76 ? 23.7 : (age == 77 ? 22.9 : (age == 78 ? 22 : (age == 79 ? 21.1 : (age == 80 ? 20.2 : (age == 81 ? 19.4 : (age == 82 ? 18.5 : (age == 83 ? 17.7 : (age == 84 ? 16.8 : (age == 85 ? 16 : (age == 86 ? 15.2 : (age == 87 ? 14.4 : (age == 88 ? 13.7 : (age == 89 ? 12.9 : (age == 90 ? 12.2 : (age == 91 ? 11.5 : (age == 92 ? 10.8 : (age == 93 ? 10.1 : (age == 94 ? 9.5 : (age == 95 ? 8.9 : (age == 96 ? 8.4 : (age == 97 ? 7.8 : (age == 98 ? 7.3 : (age == 99 ? 6.8 : (age == 100 ? 6.4 : (age == 101 ? 6 : (age == 102 ? 5.6 : (age == 103 ? 5.2 : (age == 104 ? 4.9 : (age == 105 ? 4.6 : (age == 106 ? 4.3 : (age == 107 ? 4.1 : (age == 108 ? 3.9 : (age == 109 ? 3.7 : (age == 110 ? 3.5 : (age == 111 ? 3.4 : (age == 112 ? 3.3 : (age == 113 ? 3.1 : (age == 114 ? 3 : (age == 115 ? 2.9 : (age == 116 ? 2.8 : (age == 117 ? 2.7 : (age == 118 ? 2.5 : (age == 119 ? 2.3 : 2)))))))))))))))))))))))))))))))))))))))))))))))-withdrawn)

References