Free calculator · 2026
RMD calculator: what the IRS will make you withdraw
Enter your birth year and last year-end IRA balance. You'll see this year's required minimum distribution, when yours start, and the next 10 years, plus a rough federal tax bill.
Your 2026 RMD
$28,302
You turn 73 in 2026. Divisor 26.5 from the IRS Uniform Lifetime Table. At a 22% bracket, that's about $6,226 in federal tax.
Next 10 RMDs add up to $348,280, about $76,622 in federal tax.
| Year | Age | Divisor | Balance | RMD |
|---|---|---|---|---|
| 2026 | 73 | 26.5 | $750,000 | $28,302 |
| 2027 | 74 | 25.5 | $757,783 | $29,717 |
| 2028 | 75 | 24.6 | $764,469 | $31,076 |
| 2029 | 76 | 23.7 | $770,063 | $32,492 |
| 2030 | 77 | 22.9 | $774,449 | $33,819 |
| 2031 | 78 | 22.0 | $777,662 | $35,348 |
| 2032 | 79 | 21.1 | $779,430 | $36,940 |
| 2033 | 80 | 20.2 | $779,614 | $38,595 |
| 2034 | 81 | 19.4 | $778,071 | $40,107 |
| 2035 | 82 | 18.5 | $774,862 | $41,884 |
Uses the IRS Uniform Lifetime Table (Publication 590-B). If your spouse is more than 10 years younger and your only beneficiary, your RMD is smaller; inherited IRAs follow different rules. Roth IRAs have no RMDs for the owner.
RMD questions, answered
When do I have to start taking RMDs?
At 73 if you were born from 1951 through 1959, and at 75 if you were born in 1960 or later. Your first RMD can wait until April 1 of the following year, but then you must take two in that year.
How is my RMD calculated?
Take your account balance on December 31 of last year and divide it by the IRS divisor for the age you reach this year. At 73 the divisor is 26.5, so a $500,000 IRA needs about $18,868.
What happens if I miss an RMD?
The IRS can charge a 25% excise tax on the amount you didn't take. It drops to 10% if you correct it in time, usually within two years. File Form 5329.
Do Roth IRAs have RMDs?
Not for the original owner. That's one reason Roth conversions before RMD age can lower your future required withdrawals.
Can I give my RMD to charity?
Yes. From age 70½, a qualified charitable distribution sent straight from your IRA to a charity can count toward your RMD and stay out of your taxable income.
Read more: The RMD Playbook · Bitcoin in your IRA and the RMD clock · Will my money last?
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RMD Buster in the Tool Chest
The Tool Chest's RMD Buster shows when the IRS starts forcing money out of your IRAs — and how fast.
Open the Tool ChestSource: IRS Publication 590-B, Appendix B, Table III (Uniform Lifetime Table), checked October 26, 2026. General education, not tax advice.