Smart Senior Daily
RMD Calculator 2026
Find out exactly how much you must withdraw this year
What is an RMD? Once you turn 73, the IRS requires you to withdraw a minimum amount from your traditional IRA, 401(k), or other pre-tax retirement account each year. Miss it — and you could owe a 25% penalty on the amount you should have taken. This calculator tells you exactly what you must withdraw for 2026.
Enter Your Information
Please enter your account balance.
Please enter your age (must be 73 or older).
Your 2026 Required Minimum Distribution
$0
How We Calculated This
Account balance (12/31/2025)
—
Your age in 2026
—
IRS life expectancy factor
—
RMD formula
Balance ÷ Factor
📅 That's roughly
$0
per month if spread evenly.
Important: This calculator uses the IRS Uniform Lifetime Table (Table III) from IRS Publication 590-B, updated for 2022 and later. If your sole beneficiary is a spouse more than 10 years younger, it uses the Joint and Last Survivor Table (Table II) with the appropriate factor. Always confirm your RMD with your financial institution or tax advisor. Your deadline is December 31, 2026 (or April 1, 2027 if this is your very first RMD).
Common RMD Questions
What happens if I don't take my RMD?
The penalty is steep: 25% of the amount you failed to withdraw (reduced to 10% if you correct the mistake within two years). The IRS is strict about this — don't skip it.
Can I take more than the RMD amount?
Yes. The RMD is a minimum, not a cap. You can withdraw as much as you like. Just remember: anything you withdraw is taxable income in the year you take it.
Do I need to take an RMD from a Roth IRA?
No. Roth IRAs are not subject to RMDs during the owner's lifetime. However, inherited Roth IRAs (passed to non-spouse beneficiaries) do have distribution requirements.
I have multiple IRAs. Do I calculate separately for each?
Calculate the RMD for each IRA separately, but you can take the total combined amount from any one or combination of your IRAs. For 401(k) accounts, you must take the RMD from each plan separately.
What is the deadline to take my RMD?
December 31, 2026 for most people. The only exception: if 2026 is the very first year you are required to take an RMD, you have until April 1, 2027 — but taking two RMDs in one year means more taxable income.
Can I donate my RMD to charity instead?
Yes — this is called a Qualified Charitable Distribution (QCD). You can donate up to $105,000 directly from your IRA to a qualified charity in 2026. The amount counts toward your RMD and is excluded from your taxable income. A great strategy if you don't need the cash.
RMD calculator 2
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
—
—
This year’s RMD
—
% of balance withdrawn
—
Next year’s RMD (est.)
—
Total withdrawn over 20 yrs
Your RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
RMD Calculator #3
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
—
—
This year’s RMD
—
% of balance withdrawn
—
Next year’s RMD (est.)
—
Total withdrawn over 20 yrs
Your RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
new version 1
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
—
—
This year’s RMD
—
% of balance withdrawn
—
Next year’s RMD (est.)
—
Total withdrawn over 20 yrs
Annual RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
new version 2
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
This year’s RMD
% of balance withdrawn
Next year’s RMD (est.)
Total withdrawn over 20 yrs
Annual RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
new version 3
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
This year’s RMD
% of balance withdrawn
Next year’s RMD (est.)
Total withdrawn over 20 yrs
Annual RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
rmd calc #4
Smart Senior Daily
Required Minimum Distribution Calculator
See what the IRS requires you to withdraw — and plan ahead
Your details
Your current age73
RMDs begin at age 73 under the SECURE 2.0 Act
Current IRA / 401(k) balance$500,000
Total of all traditional IRA and 401(k) accounts — not Roth accounts
$
Expected annual growth rate5.0%
Conservative: 3–4% · Moderate: 5–6% · Aggressive: 7%+
Calculate my RMD
This year’s RMD
% of balance withdrawn
Next year’s RMD (est.)
Total withdrawn over 20 yrs
Annual RMD — next 10 years
Year-by-year breakdown — 20 years
| Age | Annual RMD | Remaining Balance |
|---|
What about a Roth IRA? Roth IRAs are not subject to RMDs during your lifetime — you can leave that money invested as long as you like or pass it to your heirs. Only traditional IRAs, 401(k)s, 403(b)s, and similar pre-tax accounts require mandatory withdrawals starting at age 73. Converting some of your traditional IRA to a Roth before age 73 can reduce your future RMDs.
Adjust my numbers
This calculator uses the IRS Uniform Lifetime Table (2022 update) and is for educational purposes only. Your actual RMD is based on your prior year-end balance, not your current balance. Consult a tax advisor or financial planner for personalised guidance. © Smart Senior Daily
