📅 RMD Calculator
Calculate your required minimum distribution from the IRS Uniform Lifetime Table, see your RMD age (73 or 75) and deadlines, and project future RMDs.
You may delay this first RMD until April 1, 2027, but then you must also take the 2027 RMD by December 31, 2027 — two taxable distributions in one year.
Projected RMDs at 5.0% growth
| Year | Age | Prior Dec 31 balance | Divisor | RMD |
|---|---|---|---|---|
| 2026 | 73 | $500,000.00 | 26.5 | $18,867.92 |
| 2027 | 74 | $505,188.68 | 25.5 | $19,811.32 |
| 2028 | 75 | $509,646.23 | 24.6 | $20,717.33 |
| 2029 | 76 | $513,375.35 | 23.7 | $21,661.41 |
| 2030 | 77 | $516,299.64 | 22.9 | $22,545.84 |
| 2031 | 78 | $518,441.49 | 22.0 | $23,565.52 |
| 2032 | 79 | $519,619.77 | 21.1 | $24,626.53 |
| 2033 | 80 | $519,742.90 | 20.2 | $25,729.85 |
| 2034 | 81 | $518,713.70 | 19.4 | $26,737.82 |
| 2035 | 82 | $516,574.68 | 18.5 | $27,922.96 |
| 2036 | 83 | $513,084.31 | 17.7 | $28,987.81 |
| 2037 | 84 | $508,301.32 | 16.8 | $30,256.03 |
| 2038 | 85 | $501,947.55 | 16.0 | $31,371.72 |
| 2039 | 86 | $494,104.62 | 15.2 | $32,506.88 |
| 2040 | 87 | $484,677.63 | 14.4 | $33,658.17 |
| 2041 | 88 | $473,570.43 | 13.7 | $34,567.18 |
| 2042 | 89 | $460,953.41 | 12.9 | $35,732.82 |
| 2043 | 90 | $446,481.62 | 12.2 | $36,596.85 |
| 2044 | 91 | $430,379.00 | 11.5 | $37,424.26 |
| 2045 | 92 | $412,602.48 | 10.8 | $38,203.93 |
| 2046 | 93 | $393,118.47 | 10.1 | $38,922.62 |
| 2047 | 94 | $371,905.64 | 9.5 | $39,147.96 |
| 2048 | 95 | $349,395.56 | 8.9 | $39,257.93 |
| 2049 | 96 | $325,644.52 | 8.4 | $38,767.20 |
| 2050 | 97 | $301,221.18 | 7.8 | $38,618.10 |
Projection only: each year’s balance is last year’s minus the RMD, grown at your rate. Real returns vary.
What RMD Calculator Does
This RMD calculator works out your required minimum distribution for any year from 2022 on, using the IRS Uniform Lifetime Table. Enter your birth year and last December 31 balance and you get the amount, the divisor it came from, the percentage of your account it represents, and the deadlines that apply — including the first-year April 1 option and the two-distribution year it creates.
Your RMD age depends on when you were born. The SECURE 2.0 Act raised it to 73 for people born from 1951 through 1959 and to 75 for people born in 1960 or later. The projection table then estimates each future year’s RMD at the growth rate you choose, so you can see how required withdrawals rise as a share of the account.
How to Use RMD Calculator
- Enter the year you were born to find your RMD age
- Enter the distribution year and the balance on December 31 of the year before
- Read the required amount, divisor and percentage of the balance
- Check your first-year and ongoing deadlines
- Set an expected growth rate to project future RMDs
Formula Used by RMD Calculator
Required minimum distribution
RMD = account balance on December 31 of the prior year ÷ distribution period for your age this year
Worked example
Born 1953, distribution year 2026 (age 73), balance $500,000 on Dec 31, 2025.
- Uniform Lifetime Table divisor at 73 = 26.5
- $500,000 ÷ 26.5
Result: $18,867.92, about 3.77% of the balance.
IRS Uniform Lifetime Table (Selected Ages)
Distribution periods in effect for distribution years beginning on or after January 1, 2022.
| Age | Divisor | Age | Divisor |
|---|---|---|---|
| 72 | 27.4 | 85 | 16.0 |
| 73 | 26.5 | 86 | 15.2 |
| 74 | 25.5 | 87 | 14.4 |
| 75 | 24.6 | 88 | 13.7 |
| 76 | 23.7 | 89 | 12.9 |
| 77 | 22.9 | 90 | 12.2 |
| 78 | 22.0 | 92 | 10.8 |
| 79 | 21.1 | 95 | 8.9 |
| 80 | 20.2 | 98 | 7.3 |
| 82 | 18.5 | 100 | 6.4 |
| 84 | 16.8 | 110 | 3.5 |
RMD Starting Age by Birth Year
| Born | RMD age | First RMD year |
|---|---|---|
| 1951 | 73 | 2024 |
| 1955 | 73 | 2028 |
| 1959 | 73 | 2032 |
| 1960 | 75 | 2035 |
| 1965 | 75 | 2040 |
Source: Congressional Research Service — RMD rules for original owners
How to Read Your Result
The first-year trap
Delaying your first RMD to April 1 of the next year means taking two RMDs in that year. Both count as income, which can raise your tax bracket and the taxable share of Social Security, or push Medicare premiums higher. Taking the first one in its own year is often cheaper.
Missing an RMD
The shortfall is subject to a 25% excise tax, cut to 10% if you withdraw the missed amount within the correction window — generally by the end of the second year after the year it was due. It is reported on Form 5329.
Still working
If you are still employed and do not own 5% or more of the company, most employer plans let you delay RMDs from that plan until you retire. The exception does not apply to IRAs.
Limitations & Accuracy Notes
- Uses the Uniform Lifetime Table only. If your spouse is your sole beneficiary and more than 10 years younger, the Joint Life and Last Survivor table applies and your RMD is smaller.
- Inherited IRAs follow different rules (the 10-year rule and the Single Life table) and are not covered.
- Projected RMDs assume a steady growth rate; actual balances change each year.
- This is an estimate, not tax advice. Confirm with your account custodian, who must report the RMD amount to you.