RMD Calculator
Calculate your Required Minimum Distributions across all retirement accounts. Add every account — IRA, 401(k), 403(b), and more — to see your total obligation and how to take it.
Your Information
RMDs begin at age 73 (SECURE 2.0 Act)
Your top federal bracket — used for tax estimates
Your Retirement Accounts
Add all accounts subject to RMDs. Roth IRAs do not require RMDs during the owner's lifetime.
For the most accurate RMD, use your Dec 31 prior year balance instead
✦ Individual Retirement Account — RMDs can be aggregated across all IRAs
Don't forget: Include ALL pre-tax retirement accounts — Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, 457(b)s, and any inherited IRAs. Each has RMD requirements. Roth IRAs and Roth 401(k)s rolled into Roth IRAs are exempt.
RMD Projection
Growth on remaining balance after RMD
Your 2026 RMD
Add your account balances to see your RMD.
Understanding Required Minimum Distributions
Required Minimum Distributions (RMDs) are the minimum amounts you must withdraw from your pre-tax retirement accounts each year once you reach a certain age. The SECURE 2.0 Act of 2022 raised the RMD starting age to 73 for those born between 1951 and 1959, and to 75 for those born in 1960 or later.
How RMDs are calculated: Divide your account balance as of December 31 of the prior year by the IRS distribution period factor for your current age. The Uniform Lifetime Table is used for most people. If your sole beneficiary is a spouse more than 10 years younger, you use the longer Joint Life Expectancy Table, which results in a smaller RMD.
Aggregation rules matter. Traditional IRAs, SEP IRAs, and SIMPLE IRAs can be aggregated — meaning you calculate the RMD for each account individually, total them up, and withdraw that total from any one or combination of those IRA accounts. However, 401(k) and 457(b) RMDs must each be taken from their specific accounts. 403(b) accounts can be aggregated with other 403(b)s but not with IRAs.
Roth accounts: Roth IRAs are not subject to RMDs during the owner's lifetime. Roth 401(k)s were previously subject to RMDs but the SECURE 2.0 Act eliminated that requirement starting in 2024. Inherited Roth accounts may have separate distribution requirements.
First-year exception: For your first RMD year (age 73), you can delay the distribution until April 1 of the following year. However, you'll then need to take two RMDs in that second year — which could push you into a higher tax bracket.
Penalty for missing RMDs: The penalty was reduced from 50% to 25% of the shortfall by SECURE 2.0. If you correct the mistake within two years, the penalty drops to 10%. Always take at least your full RMD by December 31.
Tax planning tip: Consider Qualified Charitable Distributions (QCDs) — if you're 70½ or older, you can direct up to $105,000 per year from your IRA directly to charity. QCDs satisfy your RMD and are excluded from taxable income.
This calculator provides estimates based on current IRS rules. Consult a tax professional for personalized advice regarding your RMD obligations.