An RMD calculator by age, with the IRS tables
This RMD calculator works out the required minimum distribution you must take from a traditional IRA, 401(k), 403(b) or similar account for a given year. It divides the account balance on December 31 of the previous year by the IRS life expectancy factor for your age — the Uniform Lifetime Table from Publication 590-B — and shows the deadline and a ten-year projection.
Switch to An IRA I inherited for beneficiary RMDs: the Single Life Expectancy Table with the reduce-by-one rule, a surviving spouse’s yearly recalculation, and the 10-year rule that applies to most non-spouse beneficiaries since 2020, including whether annual withdrawals are needed in years 1–9.
The IRS factors are the 2022 tables still in force for 2026. Everything runs in your browser. Results are estimates, not tax advice — confirm the figure with your IRA custodian or plan before you withdraw.
How to use the RMD Calculator
- Choose My own IRA or An IRA I inherited.
- Enter the year of the distribution and the account balance on December 31 of the year before.
- For your own account, enter your year of birth; tick the spouse box and enter the Table II divisor only if your spouse is your sole beneficiary and more than 10 years younger.
- For an inherited IRA, choose your relationship, the year the owner died, your year of birth and whether the owner had started RMDs.
- Read the RMD, the divisor and the deadline; for your own account, check the ten-year projection, then copy the result.
RMD Calculator features
IRS Uniform Lifetime table
Every divisor from age 72 to 120+ from Publication 590-B, Appendix B, Table III.
Start age by birth year
Age 73 for people born 1951–1959 and 75 for 1960 or later, with the April 1 first-year deadline.
Ten-year projection
Projects balances and RMDs with the growth rate you choose, so you can plan withdrawals and taxes.
Inherited IRA rules
Single Life table, reduce-by-one, spouse recalculation, the owner’s remaining life expectancy, and the 10-year rule.
Clear deadlines
Shows when to take the RMD, or the year the inherited account must be empty.
How the RMD is calculated
RMD = account balance on December 31 of last year ÷ the distribution period for your age this year. Owners use the Uniform Lifetime Table unless their spouse is the sole beneficiary and more than 10 years younger, in which case the larger Joint and Last Survivor factor applies. Beneficiaries use the Single Life Expectancy Table.
Worked example: born in 1952, you are 74 in 2026. The divisor is 25.5, so a $500,000 balance gives an RMD of $19,607.84 (3.92%). At 75 the divisor is 24.6, so $100,000 would require $4,065.04.
RMD table by age (Uniform Lifetime)
| Age | Divisor | Age | Divisor |
|---|---|---|---|
| 73 | 26.5 | 83 | 17.7 |
| 74 | 25.5 | 84 | 16.8 |
| 75 | 24.6 | 85 | 16.0 |
| 76 | 23.7 | 86 | 15.2 |
| 77 | 22.9 | 87 | 14.4 |
| 78 | 22.0 | 88 | 13.7 |
| 79 | 21.1 | 89 | 12.9 |
| 80 | 20.2 | 90 | 12.2 |
| 81 | 19.4 | 95 | 8.9 |
| 82 | 18.5 | 100 | 6.4 |
Inherited IRAs and the 10-year rule
If the owner died in 2020 or later, most beneficiaries who are not a spouse must empty the account by December 31 of the tenth year after death. If the owner had already started RMDs, the beneficiary must also take a yearly amount in years 1–9, based on their Single Life factor in the year after death minus one for each later year. Spouses, minor children, disabled or chronically ill beneficiaries and people not more than 10 years younger can stretch withdrawals over their life expectancy.
Missing an RMD triggers a 25% excise tax on the shortfall, cut to 10% if corrected within two years. Withdrawals are taxed as income, so check the effect on your estimated tax payments and on Medicare premiums.
RMD Calculator FAQ
How do I use an RMD calculator by age?
Enter your year of birth, the year and your December 31 balance. This RMD calculator looks up the IRS divisor for the age you reach that year and divides.
At what age do RMDs start?
At 73 for people born 1951–1959 and at 75 for people born in 1960 or later. The first RMD can wait until April 1 of the next year.
What is the RMD table for 2026?
The Uniform Lifetime Table in IRS Publication 590-B, in use since 2022: 26.5 at 73, 24.6 at 75, 20.2 at 80, 12.2 at 90.
How is the RMD for an inherited IRA calculated?
Divide the balance by your Single Life factor for your age in the year after death, minus one for each later year — or follow the 10-year rule if it applies.
Do Roth IRAs have RMDs?
Not while the owner is alive. Beneficiaries of inherited Roth IRAs do follow the RMD rules.
What happens if I miss an RMD?
A 25% excise tax on the amount not taken, reduced to 10% if corrected within two years, reported on Form 5329.