RMD Calculator

Year	Age	Distribution period	RMD	End balance
2,026	75	24.60	$12,195.12	$302,804.88
2,027	76	23.70	$12,776.58	$305,168.54
2,028	77	22.90	$13,326.14	$307,100.83
2,029	78	22.00	$13,959.13	$308,496.75
2,030	79	21.10	$14,620.70	$309,300.89
2,031	80	20.20	$15,311.93	$309,454.01
2,032	81	19.40	$15,951.24	$308,975.47
2,033	82	18.50	$16,701.38	$307,722.86
2,034	83	17.70	$17,385.47	$305,723.54
2,035	84	16.80	$18,197.83	$302,811.88
2,036	85	16.00	$18,925.74	$299,026.73
2,037	86	15.20	$19,672.81	$294,305.26
2,038	87	14.40	$20,437.87	$288,582.66
2,039	88	13.70	$21,064.43	$281,947.36
2,040	89	12.90	$21,856.38	$274,188.35
2,041	90	12.20	$22,474.45	$265,423.31
2,042	91	11.50	$23,080.29	$255,614.19
2,043	92	10.80	$23,667.98	$244,726.92
2,044	93	10.10	$24,230.39	$232,732.87
2,045	94	9.50	$24,498.20	$219,871.32
2,046	95	8.90	$24,704.64	$206,160.24
2,047	96	8.40	$24,542.89	$191,925.37
2,048	97	7.80	$24,605.82	$176,915.82
2,049	98	7.30	$24,235.04	$161,526.57
2,050	99	6.80	$23,753.91	$145,848.99
2,051	100	6.40	$22,788.90	$130,352.53
2,052	101	6.00	$21,725.42	$115,144.74
2,053	102	5.60	$20,561.56	$100,340.42
2,054	103	5.20	$19,296.23	$86,061.20
2,055	104	4.90	$17,563.51	$72,800.75
2,056	105	4.60	$15,826.25	$60,614.54
2,057	106	4.30	$14,096.40	$49,548.86
2,058	107	4.10	$12,085.09	$39,941.22
2,059	108	3.90	$10,241.34	$31,696.94
2,060	109	3.70	$8,566.74	$24,715.05
2,061	110	3.50	$7,061.44	$18,889.36
2,062	111	3.40	$5,555.69	$14,278.13
2,063	112	3.30	$4,326.71	$10,665.33
2,064	113	3.10	$3,440.43	$7,758.17
2,065	114	3.00	$2,586.06	$5,560.02
2,066	115	2.90	$1,917.25	$3,920.77
2,067	116	2.80	$1,400.28	$2,716.54
2,068	117	2.70	$1,006.12	$1,846.24
2,069	118	2.50	$738.50	$1,200.05
2,070	119	2.30	$521.76	$738.29
2,071	120	2.00	$369.15	$406.06

Year

Age

Distribution period

RMD

End balance

2,026

24.60

$12,195.12

$302,804.88

2,027

23.70

$12,776.58

$305,168.54

2,028

22.90

$13,326.14

$307,100.83

2,029

22.00

$13,959.13

$308,496.75

2,030

21.10

$14,620.70

$309,300.89

2,031

20.20

$15,311.93

$309,454.01

2,032

19.40

$15,951.24

$308,975.47

2,033

18.50

$16,701.38

$307,722.86

2,034

17.70

$17,385.47

$305,723.54

2,035

16.80

$18,197.83

$302,811.88

2,036

16.00

$18,925.74

$299,026.73

2,037

15.20

$19,672.81

$294,305.26

2,038

14.40

$20,437.87

$288,582.66

2,039

13.70

$21,064.43

$281,947.36

2,040

12.90

$21,856.38

$274,188.35

2,041

12.20

$22,474.45

$265,423.31

2,042

11.50

$23,080.29

$255,614.19

2,043

10.80

$23,667.98

$244,726.92

2,044

10.10

$24,230.39

$232,732.87

2,045

9.50

$24,498.20

$219,871.32

2,046

8.90

$24,704.64

$206,160.24

2,047

8.40

$24,542.89

$191,925.37

2,048

7.80

$24,605.82

$176,915.82

2,049

7.30

$24,235.04

$161,526.57

2,050

6.80

$23,753.91

$145,848.99

2,051

100

6.40

$22,788.90

$130,352.53

2,052

101

6.00

$21,725.42

$115,144.74

2,053

102

5.60

$20,561.56

$100,340.42

2,054

103

5.20

$19,296.23

$86,061.20

2,055

104

4.90

$17,563.51

$72,800.75

2,056

105

4.60

$15,826.25

$60,614.54

2,057

106

4.30

$14,096.40

$49,548.86

2,058

107

4.10

$12,085.09

$39,941.22

2,059

108

3.90

$10,241.34

$31,696.94

2,060

109

3.70

$8,566.74

$24,715.05

2,061

110

3.50

$7,061.44

$18,889.36

2,062

111

3.40

$5,555.69

$14,278.13

2,063

112

3.30

$4,326.71

$10,665.33

2,064

113

3.10

$3,440.43

$7,758.17

2,065

114

3.00

$2,586.06

$5,560.02

2,066

115

2.90

$1,917.25

$3,920.77

2,067

116

2.80

$1,400.28

$2,716.54

2,068

117

2.70

$1,006.12

$1,846.24

2,069

118

2.50

$738.50

$1,200.05

2,070

119

2.30

$521.76

$738.29

2,071

120

2.00

$369.15

$406.06

Calculate a U.S. required minimum distribution from a prior December 31 retirement-account balance. The projection shows how withdrawing only the calculated RMD at year-end could affect later distributions and balances.

How to use this calculator

Check the distribution year, prior year-end account balance, and applicable beneficiary assumptions before calculating. Compare the amount with distributions already taken for that year. Account types and exceptions can change which rules apply; use the rule notes and sources below.

Examples

Age 75 in 2026

A person born in 1951 is age 75 in 2026. The Uniform Lifetime Table period is 24.6, so a $300,000 balance produces an RMD of $12,195.12.

Formula

RMD = prior December 31 balance ÷ distribution period. The projection grows the balance for the year and then subtracts that year's RMD: ending balance = beginning balance × (1 + return) − RMD.

Tax rules and inherited-account deadlines can be complex. Confirm the applicable table and deadline with the current IRS Publication 590-B or a tax professional.

Table selection and limits

The calculator uses the Uniform Lifetime Table unless the entered spouse is both the sole beneficiary and more than 10 years younger, in which case it uses the Joint and Last Survivor Table. That rule and the tables are in IRS Publication 590-B; the IRS RMD FAQ explains account aggregation. This tool does not handle inherited accounts, annuity adjustments, first-year deadline choices, employer-plan still-working exceptions, or corrective distributions.

Frequently asked questions

What balance is used for an RMD?

For a normal calendar-year calculation, use the eligible retirement account's balance on December 31 of the preceding year.

How is an RMD calculated?

Divide the prior year-end balance by the applicable IRS distribution period. The Joint and Last Survivor table applies only when the spouse is the sole beneficiary and is more than 10 years younger; otherwise an owner normally uses the Uniform Lifetime table.

When do standard RMDs begin?

Under current federal rules, the applicable age depends on birth year—generally 73 for people born from 1951 through 1959 and 75 for those born in 1960 or later.

Is a Roth IRA subject to lifetime RMDs?

An original Roth IRA owner generally has no lifetime RMD, though inherited-account rules can apply.

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