This year's RMD
$18,868IRS factor 26.5RMD Calculator
Estimate required minimum distributions, multi-account RMD totals, tax impact, QCD offsets, missed-withdrawal penalties, and long-term retirement…
Free Calculator
RMD Calculator
Estimate required minimum distributions, account-by-account RMDs, tax impact, QCD offsets, and multi-year retirement withdrawal projections.
Required minimum distribution estimateUse this tab to estimate the withdrawal from a Traditional IRA, 401(k), SEP, SIMPLE IRA, inherited IRA, or owner Roth IRA exemption scenario.
RMD statusYour estimated RMD is $18,868, equal to 3.8% of the prior-year balance.
Monthly equivalent
$1,572For planning cash flow onlyRMD rate3.8%
Balance after RMD$481,132
DeadlineApr 1 next year*
Missed-RMD penalty estimate$4,717
Next-year RMD estimate$19,811
Projected lifetime RMDs$939,703
Balance at life expectancy$409,885
Spouse-table noteUniform table
RMD planning scenarios
If you withdraw 10% more than the RMD$20,755 total withdrawal
If your annual return is 3% instead$495,566
Inherited-account 10-year rule illustration$50,000/yr
Illustrative Roth conversion before RMD age$50,000 less exposed to future RMDs
Qualified charitable distribution illustration$5,000 could offset taxable RMD
30-year RMD projection
| Age | Factor | Start balance | RMD | After-RMD balance | RMD % |
|---|---|---|---|---|---|
| 73 | 26.5 | $500,000 | $18,868 | $481,132 | 3.8% |
| 74 | 25.5 | $505,189 | $19,811 | $485,377 | 3.9% |
| 75 | 24.6 | $509,646 | $20,717 | $488,929 | 4.1% |
| 76 | 23.7 | $513,375 | $21,661 | $491,714 | 4.2% |
| 77 | 22.9 | $516,300 | $22,546 | $493,754 | 4.4% |
| 78 | 22.0 | $518,441 | $23,566 | $494,876 | 4.5% |
| 79 | 21.1 | $519,620 | $24,627 | $494,993 | 4.7% |
| 80 | 20.2 | $519,743 | $25,730 | $494,013 | 5.0% |
| 81 | 19.4 | $518,714 | $26,738 | $491,976 | 5.2% |
| 82 | 18.5 | $516,575 | $27,923 | $488,652 | 5.4% |
| 83 | 17.7 | $513,084 | $28,988 | $484,096 | 5.6% |
| 84 | 16.8 | $508,301 | $30,256 | $478,045 | 6.0% |
| 85 | 16.0 | $501,948 | $31,372 | $470,576 | 6.3% |
| 86 | 15.2 | $494,105 | $32,507 | $461,598 | 6.6% |
| 87 | 14.4 | $484,678 | $33,658 | $451,019 | 6.9% |
| 88 | 13.7 | $473,570 | $34,567 | $439,003 | 7.3% |
| 89 | 12.9 | $460,953 | $35,733 | $425,221 | 7.8% |
| 90 | 12.2 | $446,482 | $36,597 | $409,885 | 8.2% |
Important noteRMD, inherited-account, QCD, tax-bracket, and Medicare surcharge rules can change and may depend on your exact account type, age, beneficiary status, and filing status. Confirm important decisions with a CPA, plan administrator, or qualified financial advisor.
Formula
How an RMD is estimated
The calculator uses a simplified RMD formula: divide the prior year-end account balance by the life expectancy factor for the age you enter.
Estimated RMD = prior Dec. 31 balance ÷ IRS life expectancy factor
RMD rate = estimated RMD ÷ account balance
Planning
Why RMD planning matters
Required distributions can affect taxable income, Social Security taxation, Medicare surcharge exposure, charitable giving, Roth conversion strategy, and retirement cash flow.
After-tax RMD = taxable RMD − estimated federal tax
QCD offset = qualified charitable distribution applied against taxable RMD
Use cases
When to use this RMD Calculator
Use it to estimate required distributions, compare multiple retirement accounts, and model simplified tax impact before making withdrawal decisions.
Estimate this year’s required minimum distribution
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Calculate RMDs from Traditional IRA, 401(k), SEP, SIMPLE, and 403(b) balances
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Compare RMDs across multiple retirement accounts
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Estimate RMD tax impact after QCDs and deductions
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Review missed-RMD penalty exposure and deadlines
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Project future RMDs and account balances over time
Use the result as a planning estimate only, then confirm RMD rules, account treatment, tax impact, and deadlines with qualified professionals.
Calculator details
RMD Calculator formula, assumptions, and examples
Last updated: July 2026
Formula used
Formula used
Required minimum distribution = account balance ÷ IRS life expectancy factor.
Assumptions
Assumptions
- The account balance and age entered are correct for the relevant year.
- Distribution factors and rules may change.
- Inherited account rules can differ.
Example calculation
Example calculation
If the balance is $100,000 and the factor is 25.6, the estimated RMD is $3,906.25.
When to use this calculator
When to use this calculator
Use it to estimate annual retirement account withdrawals before tax planning.
Disclaimer
Disclaimer
RMD rules are tax-sensitive. Verify with official IRS guidance or a qualified tax professional.
Questions
Frequently Asked Questions
What does this RMD calculator estimate?
It estimates required minimum distributions, account-by-account RMDs, multi-account totals, simplified federal tax impact, QCD offsets, missed-withdrawal penalty exposure, and future RMD projections based on the values you enter.
How is an RMD calculated?
A simplified RMD is calculated by dividing the prior year-end retirement account balance by the applicable life expectancy factor for your age. Exact factors and special beneficiary rules should be confirmed with official guidance or a qualified professional.
Can I combine RMDs from multiple accounts?
Some IRA RMDs may be aggregated, while certain employer-plan RMDs often need to be handled separately by plan. The calculator separates account types for planning, but you should confirm the exact withdrawal rules with each custodian.
Can this replace tax or retirement advice?
No. It is for educational planning only. RMD, inherited-account, spouse-beneficiary, QCD, withholding, tax, and deadline rules can depend on your facts and can change over time. Review decisions with a CPA, plan administrator, or qualified financial advisor.
