What is my RMD this year?
Enter your year of birth and last year-end balance to find your required minimum distribution (RMD) for the year, with the IRS Uniform Lifetime Table.
- Required minimum distribution
- $19,607.84
At age 74 with a balance of $500,000.00, your required minimum distribution is $19,607.84.
- Applicable denominator
- 25.5
- Age in the year
- 74
- Share of the balance
- 3.92%
- A month
- $1,633.99
- RMD starting age
- 73
- First RMD year
- 2025
Required minimum distribution: $19,607.84. At age 74 with a balance of $500,000.00, your required minimum distribution is $19,607.84.
The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use
How to calculate
Works out your required minimum distribution (RMD) from a traditional IRA, 401(k) or 403(b) for a year: the prior year-end balance divided by the IRS Uniform Lifetime Table factor for your age.
Example with the default inputs (Year of birth 1952, Distribution year 2026, Balance on December 31 of the year before $500,000.00): At age 74 with a balance of $500,000.00, your required minimum distribution is $19,607.84.
Method: RMD = balance on December 31 of the prior year ÷ Uniform Lifetime Table (IRS Pub 590-B Table III) factor for your age in the year.
- Uses Table III, the Uniform Lifetime Table. If your spouse is the sole beneficiary and more than 10 years younger, Table II gives a smaller RMD and is not on this page.
- RMDs start at 73 for people born 1951 to 1959 and at 75 for 1960 or later (SECURE 2.0 Act). The first RMD may wait until April 1 of the next year; then two RMDs fall in that year.
- For inherited accounts, use the inherited IRA RMD calculator.
- Roth IRAs have no RMDs while the owner is alive; Roth 401(k)s have none from 2024.
- Each IRA’s RMD may be taken from any of your IRAs; each 401(k)’s RMD comes from that plan.
Worked examples
Each example is checked against the calculator on every build.
- Year of birth 1951, Distribution year 2026, Balance on December 31 of the year before $100,000.00 gives Age in the year 75, Applicable denominator 24.6, Required minimum distribution $4,065.04.Source: IRS Publication 590-B (2025), chapter 1 example: $100,000 ÷ 24.6 = $4,065 at age 75 in 2026 (Table III)
- Year of birth 1953, Distribution year 2026, Balance on December 31 of the year before $500,000.00 gives Age in the year 73, Applicable denominator 26.5, Required minimum distribution $18,867.92, First RMD year 2026.Source: IRS Pub 590-B Table III (age 73: 26.5)
- Year of birth 1962, Distribution year 2026, Balance on December 31 of the year before $800,000.00 gives Age in the year 64, Required minimum distribution $0.00, RMD starting age 75, First RMD year 2037.Source: SECURE 2.0 Act section 107: RMDs start at 75 for people born in 1960 or later
- Year of birth 1926, Distribution year 2026, Balance on December 31 of the year before $64,000.00 gives Age in the year 100, Applicable denominator 6.4, Required minimum distribution $10,000.00.Source: IRS Pub 590-B Table III (age 100: 6.4)
How it works
- Age in the year A = distribution year − year of birth (your age at your birthday that year).
- Starting age. 73 if born 1951 to 1959; 75 if born 1960 or later. First RMD year = year of birth + starting age. Anyone born before 1951 reached RMD age (70½ or 72) before 2022, so every year on this page is an RMD year for them and no start is shown.
- If A is below the starting age, the RMD is 0.
- Otherwise the applicable denominator D is the Table III factor for age A (ages 72 to 119; 2.0 for 120 and over).
- RMD = balance on December 31 of the year before ÷ D. Share of the balance = 100% ÷ D. A month = RMD ÷ 12.
IRS Uniform Lifetime Table (Table III)
| Age | Factor | Age | Factor | Age | Factor | Age | Factor |
|---|---|---|---|---|---|---|---|
| 72 | 27.4 | 85 | 16.0 | 98 | 7.3 | 111 | 3.4 |
| 73 | 26.5 | 86 | 15.2 | 99 | 6.8 | 112 | 3.3 |
| 74 | 25.5 | 87 | 14.4 | 100 | 6.4 | 113 | 3.1 |
| 75 | 24.6 | 88 | 13.7 | 101 | 6.0 | 114 | 3.0 |
| 76 | 23.7 | 89 | 12.9 | 102 | 5.6 | 115 | 2.9 |
| 77 | 22.9 | 90 | 12.2 | 103 | 5.2 | 116 | 2.8 |
| 78 | 22.0 | 91 | 11.5 | 104 | 4.9 | 117 | 2.7 |
| 79 | 21.1 | 92 | 10.8 | 105 | 4.6 | 118 | 2.5 |
| 80 | 20.2 | 93 | 10.1 | 106 | 4.3 | 119 | 2.3 |
| 81 | 19.4 | 94 | 9.5 | 107 | 4.1 | 120+ | 2.0 |
| 82 | 18.5 | 95 | 8.9 | 108 | 3.9 | ||
| 83 | 17.7 | 96 | 8.4 | 109 | 3.7 | ||
| 84 | 16.8 | 97 | 7.8 | 110 | 3.5 |
Assumptions
- Table III applies unless your spouse is your sole beneficiary and more than 10 years younger (Table II).
- The balance is the whole account on December 31 of the year before, including outstanding rollovers.
- Inherited accounts follow other rules (see the inherited IRA RMD calculator).
Worked examples by hand
IRS example. Born 1951, balance $100,000 at the end of 2025. Age in 2026: 75; factor 24.6. RMD = 100,000 ÷ 24.6 = $4,065.04 (Pub 590-B: $4,065).
First RMD year. Born 1953, balance $500,000. Age in 2026: 73, the starting age, so 2026 is the first RMD year. RMD = 500,000 ÷ 26.5 = $18,867.92.
Too young. Born 1962: starting age 75, first RMD year 2037. In 2026 (age 64) the RMD is $0.
Age 100. Born 1926, balance $64,000. RMD = 64,000 ÷ 6.4 = $10,000.
Other questions people ask
How is an RMD calculated?
Divide the account balance on December 31 of last year by the applicable denominator for your age this year from the IRS Uniform Lifetime Table (Publication 590-B, Table III). At 75 the factor is 24.6, so a $100,000 balance needs a $4,065 withdrawal.
At what age do RMDs start?
Under the SECURE 2.0 Act, RMDs start in the year you turn 73 if you were born from 1951 to 1959, and 75 if you were born in 1960 or later. You can delay the first one until April 1 of the next year, but then you take two RMDs in that year.
What happens if I miss an RMD?
The excise tax is 25% of the amount you should have withdrawn, or 10% if you correct it in time (IRC section 4974 as amended by SECURE 2.0). File Form 5329.
Do Roth accounts have RMDs?
Roth IRAs have no RMDs while the owner is alive. From 2024, Roth 401(k) and 403(b) accounts have none either. Beneficiaries who inherit a Roth account do have distribution rules.
What if my spouse is much younger?
If your spouse is the sole beneficiary and more than 10 years younger, you use the Joint and Last Survivor Table (Table II), which gives a smaller RMD. This calculator uses Table III only.