What is my required minimum distribution for 2026 or 2027 planning?
Use this RMD calculator to estimate required minimum distributions from tax-deferred retirement accounts. Enter age and account balance to estimate the IRS Uniform Lifetime Table factor and required withdrawal amount.
RMD calculator
Quick answer
An RMD is generally calculated by dividing the prior year-end retirement account balance by an IRS life expectancy factor. This calculator estimates that required withdrawal using age and account balance.
Also answers
- required minimum distribution calculator
- IRA RMD calculator
- 401k RMD calculator
- IRS life expectancy table calculator
Good fit when
- Estimating annual required withdrawals
- Planning taxable retirement income
- Checking RMD amount before year end
Have ready
- Age and tax year
- Prior year-end account balance
- Uniform Lifetime Table planning assumption
Result you get
Estimated RMD amount, life expectancy factor, and taxable withdrawal planning note.
How this calculation works
- Uses the IRS Uniform Lifetime Table for distribution factors.
- Divides prior-year balance by the factor to estimate the RMD.
- Flags whether the age entered meets RMD requirements.
Common mistakes and caveats
- Spousal exception tables are not included in this estimate.
- RMD age rules can change and should be verified for the tax year.
- Roth IRAs generally do not require RMDs during the owner’s lifetime.
FAQ
At what age do RMDs start?
For many taxpayers, RMDs begin at age 73, but rules can vary by birth year.
Last updated & sources
Last updated June 4, 2026.
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