Your free required minimum distribution calculator
Enter your birth year and account balance to get an instant estimate of this year's required minimum distribution, based on current IRS rules.
This calculator provides an educational estimate only and is not tax, legal, or financial advice. It uses the IRS Uniform Lifetime Table (unchanged since 2022) and current SECURE 2.0 age rules. Your actual RMD may differ based on your specific accounts and beneficiary designations — consult a licensed tax or financial professional. Table data as of August 2026.
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Your Required Minimum Distribution (RMD) is the minimum amount the IRS requires you to withdraw each year from tax-deferred retirement accounts once you reach your RMD age. It's calculated by dividing your account balance as of December 31 of the prior year by a life expectancy factor from the IRS Uniform Lifetime Table.
Under the SECURE 2.0 Act, your RMD age is 73 if you were born between 1951 and 1959, or 75 if you were born in 1960 or later. Missing an RMD can trigger a 25% IRS excise tax on the amount not withdrawn (reduced to 10% if corrected within two years).
If you're charitably inclined, a Qualified Charitable Distribution (QCD) lets you send part or all of your RMD directly to a qualified charity — up to $111,000 in 2026 — without it counting as taxable income.
An RMD is the minimum amount you're legally required to withdraw each year from tax-deferred retirement accounts like traditional IRAs and 401(k)s, once you reach your RMD age.
You must begin taking RMDs the year you turn 73 (if born 1951–1959) or 75 (if born 1960 or later), under the SECURE 2.0 Act.
Divide your retirement account balance as of December 31 of the prior year by the life expectancy factor for your age from the IRS Uniform Lifetime Table.
The IRS imposes a 25% excise tax on the amount not withdrawn, which can be reduced to 10% if corrected within two years.
Yes. A Qualified Charitable Distribution (QCD) lets you transfer up to $111,000 in 2026 directly from your IRA to a qualified charity, and that amount counts toward your RMD without being added to your taxable income.