Enter your year of birth and the account balance on 31 December of last year to see this year's required minimum distribution from a traditional IRA or workplace plan, the age your RMDs start, the deadline, and the RMDs for the years ahead.
$
Each traditional IRA or plan account
%
For the projection only
RMD for 2026
$19,607.84
Your age this year
74
Distribution period
25.5
Deadline
31 December 2026
$500,000.00 ÷ 25.5 = $19,607.84, or 3.92% of the balance.
Missing it costs a 25% excise tax on the amount not taken, cut to 10% if you correct it in time.
Roth IRAs and Roth 401(k)s have no RMDs for the owner. If your spouse is more than 10 years younger and your only beneficiary, a different IRS table gives a smaller RMD.
Future RMDs at 5% a year
Year
Age
Balance
RMD
2026
74
$500,000
$19,608
2027
75
$504,412
$20,505
2028
76
$508,103
$21,439
2029
77
$510,997
$22,314
2030
78
$513,117
$23,323
2031
79
$514,283
$24,374
2032
80
$514,405
$25,466
2033
81
$513,386
$26,463
2034
82
$511,269
$27,636
2035
83
$507,815
$28,690
2036
84
$503,081
$29,945
2037
85
$496,792
$31,050
2038
86
$489,030
$32,173
2039
87
$479,700
$33,312
2040
88
$468,706
$34,212
An estimate for your own traditional IRA or workplace plan. Inherited accounts follow different rules. Not tax advice.
How to use the RMD calculator
Enter your year of birth and choose the year you want the RMD for.
Enter the account balance on 31 December of the year before; work out each IRA or plan separately.
Read the RMD and the deadline, and add an expected return to see future RMDs.
Worked example
Born in 1952, you turn 74 in 2026. With $500,000 in a traditional IRA at the end of 2025, the distribution period is 25.5, so the 2026 RMD is $19,607.84, due by 31 December 2026. Someone born in 1953 turns 73, their first RMD year: $500,000 ÷ 26.5 = $18,867.92, which can wait until 1 April 2027. Born in 1960, RMDs don't start until 2035, at 75.
Sources: IRS Publication 590-B (Appendix B, Table III) and the SECURE 2.0 Act. Everything runs in your browser.
Frequently asked questions
How is my RMD calculated?
Divide the account balance on 31 December of the previous year by the distribution period for the age you reach this year in the IRS Uniform Lifetime Table. At 74 the period is 25.5, so a $500,000 balance gives an RMD of $19,607.84 (3.92%).
At what age do RMDs start?
At 73 if you were born from 1951 to 1959, and at 75 if you were born in 1960 or later (SECURE 2.0 Act). People born in 1950 started at 72, and those born before 1 July 1949 at 70½.
When is the RMD deadline?
31 December each year. For your first RMD you can wait until 1 April of the following year, but then you take two RMDs that year, the delayed one and the current one, and both count as income for that year.
What happens if I miss an RMD?
The IRS charges an excise tax of 25% of the amount you should have taken but didn't, reduced to 10% if you take it and correct it within the correction window. You report it on Form 5329 and can ask for a waiver if the shortfall was due to a reasonable error.
Do Roth accounts have RMDs?
Not for the original owner: Roth IRAs never have, and Roth 401(k)s and 403(b)s haven't since 2024. Inherited Roth accounts do have distribution rules.
Which table should I use?
The Uniform Lifetime Table for almost everyone taking RMDs from their own account. If your spouse is more than 10 years younger and is the only beneficiary, the Joint Life and Last Survivor table gives a longer period and a smaller RMD. Inherited accounts use the Single Life table or the 10-year rule.
