Free tool
RMD calculator and table for 2026
Find out when your required minimum distributions start, and get an estimate of what you'll have to withdraw each year from a traditional IRA or 401(k). The math uses the IRS Uniform Lifetime Table. We've filled in an example so you can see how it works.
Your required minimum for the year
$0
Your RMDs start the year you turn
73
First RMD year
2025
IRS life expectancy factor
0
The next 10 years at a glance
| Year | Age | Factor | Required withdrawal | Share of balance |
|---|
These are estimates. They assume you take exactly the minimum and the account grows at the rate you entered. If your spouse is more than 10 years younger and your sole beneficiary, the IRS uses a different table and your RMD will be lower. Inherited IRAs have their own rules, and Roth IRAs have no RMDs for the original owner.
How RMDs are calculated
Each year, take your account balance on December 31 of the previous year and divide it by the life expectancy factor for the age you'll reach this year. The factor comes from the IRS Uniform Lifetime Table in Publication 590-B. As you get older the factor shrinks, so the share you have to withdraw grows.
IRS Uniform Lifetime Table (RMD table for 2026)
Most IRA owners and 401(k) participants use this table to work out their RMDs. Find the age you reach this year and divide your December 31 balance by the factor next to it. The percentage column shows the share of your balance that has to come out. Source: IRS Publication 590-B, Appendix B, Table III.
| Age | Factor | % to withdraw | Age | Factor | % to withdraw |
|---|---|---|---|---|---|
| 72 | 27.4 | 3.65% | 97 | 7.8 | 12.82% |
| 73 | 26.5 | 3.77% | 98 | 7.3 | 13.70% |
| 74 | 25.5 | 3.92% | 99 | 6.8 | 14.71% |
| 75 | 24.6 | 4.07% | 100 | 6.4 | 15.62% |
| 76 | 23.7 | 4.22% | 101 | 6.0 | 16.67% |
| 77 | 22.9 | 4.37% | 102 | 5.6 | 17.86% |
| 78 | 22.0 | 4.55% | 103 | 5.2 | 19.23% |
| 79 | 21.1 | 4.74% | 104 | 4.9 | 20.41% |
| 80 | 20.2 | 4.95% | 105 | 4.6 | 21.74% |
| 81 | 19.4 | 5.15% | 106 | 4.3 | 23.26% |
| 82 | 18.5 | 5.41% | 107 | 4.1 | 24.39% |
| 83 | 17.7 | 5.65% | 108 | 3.9 | 25.64% |
| 84 | 16.8 | 5.95% | 109 | 3.7 | 27.03% |
| 85 | 16.0 | 6.25% | 110 | 3.5 | 28.57% |
| 86 | 15.2 | 6.58% | 111 | 3.4 | 29.41% |
| 87 | 14.4 | 6.94% | 112 | 3.3 | 30.30% |
| 88 | 13.7 | 7.30% | 113 | 3.1 | 32.26% |
| 89 | 12.9 | 7.75% | 114 | 3.0 | 33.33% |
| 90 | 12.2 | 8.20% | 115 | 2.9 | 34.48% |
| 91 | 11.5 | 8.70% | 116 | 2.8 | 35.71% |
| 92 | 10.8 | 9.26% | 117 | 2.7 | 37.04% |
| 93 | 10.1 | 9.90% | 118 | 2.5 | 40.00% |
| 94 | 9.5 | 10.53% | 119 | 2.3 | 43.48% |
| 95 | 8.9 | 11.24% | 120+ | 2.0 | 50.00% |
| 96 | 8.4 | 11.90% |
| Age | Factor | % to withdraw |
|---|---|---|
| 72 | 27.4 | 3.65% |
| 73 | 26.5 | 3.77% |
| 74 | 25.5 | 3.92% |
| 75 | 24.6 | 4.07% |
| 76 | 23.7 | 4.22% |
| 77 | 22.9 | 4.37% |
| 78 | 22.0 | 4.55% |
| 79 | 21.1 | 4.74% |
| 80 | 20.2 | 4.95% |
| 81 | 19.4 | 5.15% |
| 82 | 18.5 | 5.41% |
| 83 | 17.7 | 5.65% |
| 84 | 16.8 | 5.95% |
| 85 | 16.0 | 6.25% |
| 86 | 15.2 | 6.58% |
| 87 | 14.4 | 6.94% |
| 88 | 13.7 | 7.30% |
| 89 | 12.9 | 7.75% |
| 90 | 12.2 | 8.20% |
| 91 | 11.5 | 8.70% |
| 92 | 10.8 | 9.26% |
| 93 | 10.1 | 9.90% |
| 94 | 9.5 | 10.53% |
| 95 | 8.9 | 11.24% |
| 96 | 8.4 | 11.90% |
| 97 | 7.8 | 12.82% |
| 98 | 7.3 | 13.70% |
| 99 | 6.8 | 14.71% |
| 100 | 6.4 | 15.62% |
| 101 | 6.0 | 16.67% |
| 102 | 5.6 | 17.86% |
| 103 | 5.2 | 19.23% |
| 104 | 4.9 | 20.41% |
| 105 | 4.6 | 21.74% |
| 106 | 4.3 | 23.26% |
| 107 | 4.1 | 24.39% |
| 108 | 3.9 | 25.64% |
| 109 | 3.7 | 27.03% |
| 110 | 3.5 | 28.57% |
| 111 | 3.4 | 29.41% |
| 112 | 3.3 | 30.30% |
| 113 | 3.1 | 32.26% |
| 114 | 3.0 | 33.33% |
| 115 | 2.9 | 34.48% |
| 116 | 2.8 | 35.71% |
| 117 | 2.7 | 37.04% |
| 118 | 2.5 | 40.00% |
| 119 | 2.3 | 43.48% |
| 120+ | 2.0 | 50.00% |
Say you're 75 with a $300,000 balance: $300,000 ÷ 24.6 = $12,195.
RMD age chart by birth year
The SECURE 2.0 Act raised the RMD starting age. Find your birth year:
| Year you were born | RMDs start the year you turn |
|---|---|
| 1950 or earlier | Already started (rules in effect at the time) |
| 1951 to 1959 | 73 |
| 1960 or later | 75 |
You can put off your first RMD until April 1 of the following year. Do that, though, and you'll take two RMDs in that second year, which can push you into a higher tax bracket. Every RMD after the first is due by December 31.
Read the full guide: Required minimum distributions: age, rules, and deadlines. If you hold physical gold in an IRA, see how RMDs work with metals.
Common questions
What happens if I miss an RMD?
The IRS can charge an excise tax of 25% of what you should have withdrawn. Fix the mistake promptly and it drops to 10%. IRS.gov has the current rules.
Can I take my RMD from just one account?
For traditional IRAs, yes. Work out the RMD for each IRA, add them together, and take the total from whichever one or more you like. 401(k) plans generally don't work that way: each plan's RMD comes out of that plan.
Do I owe tax on my RMD?
Yes. Withdrawals from traditional pre-tax accounts are taxed as ordinary income. You can ask your custodian to withhold tax from the payment.
Can I give my RMD to charity?
From age 70½ you can make a qualified charitable distribution (QCD) straight from an IRA to a charity. It can count toward your RMD and isn't included in your taxable income, up to an annual limit set by the IRS.