Calculate your required minimum distribution and project future RMDs.
| Year | Age | Start balance | Distribution period | RMD |
|---|---|---|---|---|
| 2026 | 74 | $600,000.00 | 25.5 | $23,529.41 |
| 2027 | 75 | $605,294.12 | 24.6 | $24,605.45 |
| 2028 | 76 | $609,723.10 | 23.7 | $25,726.71 |
| 2029 | 77 | $613,196.21 | 22.9 | $26,777.13 |
| 2030 | 78 | $615,740.03 | 22 | $27,988.18 |
| 2031 | 79 | $617,139.44 | 21.1 | $29,248.31 |
| 2032 | 80 | $617,285.68 | 20.2 | $30,558.70 |
| 2033 | 81 | $616,063.34 | 19.4 | $31,755.84 |
| 2034 | 82 | $613,522.87 | 18.5 | $33,163.40 |
| 2035 | 83 | $609,377.44 | 17.7 | $34,428.10 |
| 2036 | 84 | $603,696.81 | 16.8 | $35,934.33 |
| 2037 | 85 | $596,150.60 | 16 | $37,259.41 |
| 2038 | 86 | $586,835.74 | 15.2 | $38,607.61 |
| 2039 | 87 | $575,639.53 | 14.4 | $39,974.97 |
| 2040 | 88 | $562,447.80 | 13.7 | $41,054.58 |
| 2041 | 89 | $547,462.87 | 12.9 | $42,438.98 |
| 2042 | 90 | $530,275.08 | 12.2 | $43,465.17 |
| 2043 | 91 | $511,150.41 | 11.5 | $44,447.86 |
| 2044 | 92 | $490,037.67 | 10.8 | $45,373.86 |
| 2045 | 93 | $466,897.01 | 10.1 | $46,227.43 |
| 2046 | 94 | $441,703.06 | 9.5 | $46,495.06 |
| 2047 | 95 | $414,968.40 | 8.9 | $46,625.66 |
| 2048 | 96 | $386,759.87 | 8.4 | $46,042.84 |
| 2049 | 97 | $357,752.88 | 7.8 | $45,865.75 |
| 2050 | 98 | $327,481.49 | 7.3 | $44,860.48 |
| 2051 | 99 | $296,752.06 | 6.8 | $43,640.01 |
| 2052 | 100 | $265,767.65 | 6.4 | $41,526.20 |
| 2053 | 101 | $235,453.53 | 6 | $39,242.25 |
| 2054 | 102 | $206,021.84 | 5.6 | $36,789.61 |
| 2055 | 103 | $177,693.84 | 5.2 | $34,171.89 |
| 2056 | 104 | $150,698.04 | 4.9 | $30,754.70 |
| 2057 | 105 | $125,940.51 | 4.6 | $27,378.37 |
| 2058 | 106 | $103,490.24 | 4.3 | $24,067.50 |
| 2059 | 107 | $83,393.88 | 4.1 | $20,339.97 |
| 2060 | 108 | $66,206.61 | 3.9 | $16,976.05 |
| 2061 | 109 | $51,692.08 | 3.7 | $13,970.83 |
| 2062 | 110 | $39,607.31 | 3.5 | $11,316.37 |
| 2063 | 111 | $29,705.48 | 3.4 | $8,736.91 |
| 2064 | 112 | $22,017.00 | 3.3 | $6,671.82 |
| 2065 | 113 | $16,112.44 | 3.1 | $5,197.56 |
| 2066 | 114 | $11,460.63 | 3 | $3,820.21 |
Uses the IRS Uniform Lifetime Table. The first RMD can be delayed to April 1 of the following year. A spouse more than 10 years younger who is sole beneficiary uses a different table.
Please do not make financial decisions based on these results.
What is the RMD Calculator?
A required minimum distribution (RMD) is the amount you must withdraw each year from most pre-tax retirement accounts once you reach the required age.
Turning savings into income
Near retirement, the questions change from saving to spending. The annuity payout calculator shows what a lump sum could pay, the Social Security calculator compares claiming ages, and the RMD calculator shows required withdrawals.
How to use the RMD Calculator
- Fill in the fields. You will need Birth year, First RMD year to calculate, Account balance on Dec 31 of the prior year ($), Expected growth after withdrawals (% per year). Use today’s balances and your real contribution amounts, then test a more cautious return. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the RMD for 2026, and the cards below show RMDs start at age, First RMD year, Distribution period. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the RMD Calculator using the default values shown in the calculator above:
Inputs
| Birth year | 1,952 |
|---|---|
| First RMD year to calculate | 2,026 |
| Account balance on Dec 31 of the prior year ($) | 600,000 |
| Expected growth after withdrawals (% per year) | 5 |
Results
| RMD for 2026 | $23,529.41 |
|---|---|
| RMDs start at age | 73 (born 1952) |
| First RMD year | 2026 (age 74) |
| Distribution period | 25.5 |
With these inputs the calculator returns RMD for 2026: $23,529.41. Change any value in the calculator to see how the result moves.
What the results tell you
The results panel of the RMD Calculator reports RMD for 2026, rmds start at age, first rmd year and distribution period. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Tips for better results
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Retirement results depend on returns, inflation and contribution limits that change over time. They are projections, not promises. It is for information, not financial, tax or legal advice.
Frequently asked questions
When do RMDs start?
At age 73 if you were born 1951 to 1959, and at age 75 if you were born in 1960 or later.
How is the RMD calculated?
Divide your account balance at the end of the previous year by the IRS distribution period for your age.
Are the contribution limits current?
The 2026 IRS limits are built in (401(k) $24,500, IRA $7,500) and can be edited in the data file.
How much should I save for retirement?
Many planners suggest saving 10% to 15% of income, including employer match, starting early. The retirement calculator shows the monthly amount you need for your own goal.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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