RMD Calculator

Modify the values and click the Calculate button to use

RMD for 2026: $12,195.12

Your Age: 75
The distribution period for your case is: 24.6
Required Minimum Distribution: $12,195.12
End of Year Balance: $302,804.88

This version uses the IRS Uniform Lifetime Table for ages 72 to 120 and assumes the account grows at the estimated return after the distribution. Joint-life and beneficiary-specific tables are not included.

Future account balance and RMD projection

Year	Age	Distribution period	RMD	End balance
2026	75	24.6	$12,195.12	$302,804.88
2027	76	23.7	$12,776.58	$305,168.54
2028	77	22.9	$13,326.14	$307,100.83
2029	78	22.0	$13,959.13	$308,496.75
2030	79	21.1	$14,620.70	$309,300.89
2031	80	20.2	$15,311.93	$309,454.01
2032	81	19.4	$15,951.24	$308,975.47
2033	82	18.5	$16,701.38	$307,722.86
2034	83	17.7	$17,385.47	$305,723.54
2035	84	16.8	$18,197.83	$302,811.88
2036	85	16.0	$18,925.74	$299,026.73
2037	86	15.2	$19,672.81	$294,305.26
2038	87	14.4	$20,437.87	$288,582.66
2039	88	13.7	$21,064.43	$281,947.36
2040	89	12.9	$21,856.38	$274,188.35
2041	90	12.2	$22,474.45	$265,423.31
2042	91	11.5	$23,080.29	$255,614.19
2043	92	10.8	$23,667.98	$244,726.92
2044	93	10.1	$24,230.39	$232,732.87
2045	94	9.5	$24,498.20	$219,871.32
2046	95	8.9	$24,704.64	$206,160.24
2047	96	8.4	$24,542.89	$191,925.37
2048	97	7.8	$24,605.82	$176,915.82
2049	98	7.3	$24,235.04	$161,526.57
2050	99	6.8	$23,753.91	$145,848.99
2051	100	6.4	$22,788.90	$130,352.53
2052	101	6.0	$21,725.42	$115,144.74
2053	102	5.6	$20,561.56	$100,340.42
2054	103	5.2	$19,296.23	$86,061.20
2055	104	4.9	$17,563.51	$72,800.75
2056	105	4.6	$15,826.25	$60,614.54
2057	106	4.3	$14,096.40	$49,548.86
2058	107	4.1	$12,085.09	$39,941.22
2059	108	3.9	$10,241.34	$31,696.94
2060	109	3.7	$8,566.74	$24,715.05
2061	110	3.5	$7,061.44	$18,889.36
2062	111	3.4	$5,555.69	$14,278.13
2063	112	3.3	$4,326.71	$10,665.33
2064	113	3.1	$3,440.43	$7,758.17
2065	114	3.0	$2,586.06	$5,560.02
2066	115	2.9	$1,917.25	$3,920.77
2067	116	2.8	$1,400.28	$2,716.54
2068	117	2.7	$1,006.12	$1,846.24
2069	118	2.5	$738.50	$1,200.05
2070	119	2.3	$521.76	$738.29
2071	120	2.0	$369.15	$406.06

Required minimum distribution by age

What this RMD calculator does

A required minimum distribution, or RMD, is the minimum amount that must be withdrawn from a tax-deferred retirement account after reaching the required age. This calculator estimates the RMD from the account balance and the IRS Uniform Lifetime Table.

It also projects future RMDs and account balances using an optional estimated return. The projection is an illustration, not a tax return or plan statement.

How to use this calculator

Enter your year of birth.
Enter the year of the RMD.
Enter the account balance as of December 31 of the prior year.
Enter an estimated annual return for the projection.
Click Calculate.

The default example uses a 1951 birth year, a 2026 RMD year, a $300,000 balance, and a 5% return. The RMD is $12,195.12.

RMD formula

RMD = Account balance / Distribution period

The distribution period comes from the IRS Uniform Lifetime Table. For age 75, the table period is 24.6 years, so a $300,000 balance produces a $12,195.12 RMD.

The projection grows the remaining balance at the estimated return and subtracts each year's RMD.

What the results include

Your age: the age used for the RMD year.
Distribution period: the table value for that age.
RMD: the required distribution for the year.
End of year balance: the remaining balance after the RMD and estimated growth.
Projection: year, age, distribution period, RMD, and ending balance through age 120.

Assumptions and limitations

This version uses the IRS Uniform Lifetime Table for ages 72 to 120. It assumes the account balance is measured at the end of the prior year and that the account grows at the estimated return after the distribution. It does not model the joint-life table for a spouse more than 10 years younger, beneficiary-specific rules, taxes, penalties, or multiple accounts. The RMD age rules changed under SECURE 2.0; confirm your applicable age with the IRS or a tax professional.

Frequently asked questions

When do RMDs start?

The applicable RMD age depends on your birth year and current law. Many taxpayers begin at age 73, and some later birth cohorts use age 75. This calculator uses the age entered through the birth year and RMD year.

Can I delay the first RMD?

The first RMD can sometimes be delayed to the following year, but the rules depend on your situation. This calculator estimates the RMD for the year you enter.

What table does the calculator use?

It uses the IRS Uniform Lifetime Table for ages 72 to 120. The joint-life table for a spouse more than 10 years younger is not included.

Are taxes included?

No. The RMD is a pre-tax distribution amount. Taxes and penalties are not calculated.

Source

References:

Disclaimer

This calculator is for informational purposes only. It is not tax advice. Confirm your RMD and applicable age with the IRS or a qualified tax professional.

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