RMD Calculator by Age 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Your required minimum distribution (2026)
$20,325
Balance $500,000 ÷ 24.6 (IRS Uniform Lifetime Table factor for age 75)
RMDs from traditional IRAs and 401(k)s begin at age 73 (SECURE 2.0). The amount is your prior-year-end balance divided by the IRS Uniform Lifetime Table factor for your age. Roth IRAs have no RMDs during the owner's lifetime. Missing an RMD triggers a 25% penalty.
About this calculator
Once you reach age 73, the IRS requires you to withdraw a minimum amount from traditional IRAs and 401(k)s each year. This calculator divides your prior-year-end balance by the IRS Uniform Lifetime Table factor for your age to find your 2026 RMD.
FAQ
At what age do RMDs start in 2026?
Under SECURE 2.0, required minimum distributions begin at age 73. The starting age rises to 75 in 2033.
How is the RMD amount calculated?
Divide your account balance as of December 31 of the prior year by the IRS Uniform Lifetime Table distribution period for your age (for example, 24.6 at age 75).
What happens if I miss my RMD?
The penalty is 25% of the amount not taken (reduced to 10% if corrected promptly). Roth IRAs have no RMDs during the owner's lifetime.
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2026 federal figures from IRS Rev. Proc. 2025-32 and Notice 2025-67; SSA wage base. Estimates for guidance only, not tax advice.