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Required Minimum Distribution (RMD) Calculator
Calculate your 2026 RMD using the IRS Uniform Lifetime Table (Pub. 590-B). Includes a 5-year projection showing how your distributions and balance change over time.
📋 Your account
Use the December 31 balance of the previous year — this is the IRS-specified starting point for RMD calculation.
ℹUsed for the 5-year projection only — does not affect current-year RMD calculation.
✓ Your 2026 RMD
2026 Required Minimum Distribution
$20,325
Account balance used$500,000
IRS distribution period (age {ageNum})24.6 years
Formula$500,000 ÷ 24.6
ℹSource: IRS Pub. 590-B, Table III (Uniform Lifetime). Must be withdrawn by December 31, 2026 (first-year RMD can be deferred to April 1 of the following year, but two distributions in one year may push you into a higher bracket).
5-year RMD projection
How your balance and required withdrawals change over time, assuming 6% annual growth before each withdrawal. Balance = prior year balance × (1 + 6%) − RMD.
| Age | Balance (Jan 1) | Distribution period | RMD | Balance after RMD |
|---|---|---|---|---|
| 75 | $500,000 | 24.6 | $20,325 | $479,675 |
| 76 | $509,675 | 23.7 | $21,505 | $488,170 |
| 77 | $518,750 | 22.9 | $22,653 | $496,097 |
| 78 | $527,222 | 22 | $23,965 | $503,258 |
| 79 | $534,891 | 21.1 | $25,350 | $509,541 |
Sources: IRS Uniform Lifetime Table from Publication 590-B (Appendix B, Table III), effective 2022 per final regulations (T.D. 9930). RMD start age of 73 from SECURE 2.0 Act (Section 107), effective for those born after 1950 — IRS Notice 2023-75. Roth 401(k) RMD elimination from SECURE 2.0 Act Section 325, effective 2024. This calculator applies the single-life Uniform Lifetime Table (Table III) for account owners. If your sole beneficiary is a spouse more than 10 years younger, use IRS Table II (Joint Life and Last Survivor) — not modeled here. Always confirm with IRS.gov or a tax advisor before making distribution decisions.
IRData: IRS Revenue Procedure 2025-32 · Verified June 2026