This page displays the 2026 RMD Calculator. Uses the IRS Uniform Lifetime Table and SECURE 2.0 Act rules for accurate Required Minimum Distribution calculations.
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RMD Calculator
Calculate your Required Minimum Distribution using the official IRS Uniform Lifetime Table. Includes inherited IRA rules, 20-year projection, IRMAA impact, and SECURE 2.0 Act rules.
$
Your required minimum distribution
$20,325
Based on an IRS distribution period of 24.6 years — about 4.07% of your balance.
This calculator is for educational purposes only and does not constitute financial, tax, or legal advice. RMDs apply to traditional IRAs, SEP/SIMPLE IRAs, and most 401(k)/403(b) accounts. Roth IRAs have no RMD for the original owner. Required withdrawals begin at age 73. This estimate uses the IRS Uniform Lifetime Table; if your sole beneficiary is a spouse more than 10 years younger, a different table applies. Actual RMD amounts are determined by your account custodian and may differ. American Retirement Pros is an independent licensed insurance firm and is not affiliated with, endorsed by, or connected to the IRS or any U.S. government agency. For your specific situation, talk with us.
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%
Projected lifetime RMDs through 95
$0
First-year RMD
$0
Every dollar of these RMDs is taxed as ordinary income — and as your balance grows, the required withdrawals, and the tax bill, grow with it. A well-timed Roth conversion strategy can shrink this lifetime tax drag. That's a conversation worth having.
Book Your Free Retirement Review| Age | Beginning balance | Factor | RMD | Ending balance |
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Your RMD equals your prior year-end account balance divided by the IRS distribution-period factor for your age. The factors below come from the IRS Uniform Lifetime Table, which has been unchanged since 2022. Missing an RMD can trigger a penalty of 25% of the shortfall — reduced to 10% if corrected promptly — so the deadlines matter.
Source: IRS Publication 590-B, Uniform Lifetime Table (effective 2022, current through 2026). Estimates only — not tax advice.
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