RMD Calculator
Calculate your Required Minimum Distribution from traditional IRAs, 401(k)s, and other retirement accounts to avoid the 25% penalty.
Tell us about yourself
Enter your age and account type to determine if RMDs are required.
A 2026 RMD uses your account balance as of December 31, 2025.
For people born in 1949, the month decides whether your RMDs began at 70½ or at 72.
Important Disclaimer
This calculator provides estimates based on IRS life expectancy tables. RMD rules can be complex, especially for inherited IRAs. The SECURE Act 2.0 has changed many RMD rules. This tool is for educational purposes and should not be considered tax advice.
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Understanding Required Minimum Distributions
When Do RMDs Begin?
The age to begin RMDs depends on when you were born (IRC 401(a)(9)(C), as changed by the SECURE Act of 2019 and SECURE 2.0):
- Turned 70½ on or before December 31, 2019 (born June 30, 1949 or earlier): Age 70½
- Reached age 72 before 2023 (born July 1, 1949 through December 31, 1950): Age 72
- Born 1951 through 1959: Age 73
- Born 1960 or later: Age 75
First RMD must be taken by April 1 of the year after reaching RMD age. Subsequent RMDs are due by December 31 each year.
Qualified charitable distributions (QCDs) can satisfy an RMD once you are 70½. The 2026 QCD limit is $111,000 per person.
Penalty for Missed RMDs
25% Penalty
On the amount not withdrawn (reduced from 50% by SECURE 2.0)
Reduced to 10%
If corrected within 2 years
Accounts That Require RMDs
- • Traditional IRAs
- • SEP IRAs
- • SIMPLE IRAs
- • 401(k), 403(b), 457(b) plans
- • Profit-sharing plans
Note: Roth IRAs do NOT require RMDs during the owner's lifetime. Starting in 2024, designated Roth accounts in 401(k) and 403(b) plans don't either (SECURE 2.0 Act).
RMD Calculation Formula
The account balance is as of December 31 of the prior year. The life expectancy factor comes from IRS tables based on your age.
Need Help With Retirement Planning?
Our tax professionals can help you navigate RMD rules, minimize taxes on withdrawals, and optimize your retirement income strategy.