2026 IRS Tables · IRA · 401(k) · Inherited IRA

RMD Calculator

Find the least you must take out of your retirement account in 2026 (your Required Minimum Distribution). Uses the official IRS Uniform Lifetime Table. If you take out too little, the IRS charges a 25% penalty on the amount you missed.

Account Details
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The IRS uses last year's closing balance, not today's.
RMDs start at age 73. If you were born in 1960 or later, they start at 75.
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Pensions, wages, interest and so on. Used only to estimate the tax on your RMD.
Your 2026 RMD
Required minimum distribution (RMD)
$0
Share of your balance
0.00%
must come out this year
Per month
$0
if spread evenly
Estimated federal tax
$0
extra tax caused by the RMD
Penalty if you skip it
$0
25% of the missed amount
Your RMD at nearby ages (same balance)

Tax is an estimate: 2026 federal brackets, the standard deduction plus the extra amount for one person age 65 or older. It ignores state tax, the temporary senior deduction and how Social Security is taxed.