Tools · Retirement

RMD calculator

Prior-year-end balance ÷ Uniform Lifetime Table (Pub. 590-B Table III; 26 CFR 1.401(a)(9)-9). Age 73 factor 26.5. Primer: RMD guide. Does not use Table II (spouse 10+ years younger). Defaults are an example, not your statement.

Quick answer: This calculator estimates a required minimum distribution as the prior-year-end balance divided by the Uniform Lifetime factor for the age you pick. The factor table is the one already in the page. QCD and a still-working 401(k) toggle are optional.

Age you turn this year Birth year (optional — sets age for 2026) IRA + old-plan balance on Dec 31 last year ($) Current-employer 401(k)/403(b) Dec 31 ($)

IRAs and former-employer plans always use the table at the start age. Current-employer money is separate.

Still working at this employer, not a >5% owner QCD this year (IRA only, age 70½+) First-year April 1 delay Assumed next Dec 31 IRA/old-plan balance (delay only)

2026 QCD exclusion $111,000 (Notice 2025-67). QCD does not come from a 401(k).

Uniform Lifetime factor

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IRA RMDs may be aggregated and taken from one IRA. 401(k) RMDs stay in that plan. Joint-life Table II (spouse 10+ years younger, sole beneficiary) is out of scope — that RMD is smaller. Paid sequence: RMD playbook. Withdrawal order: tax-efficient withdrawals. IRMAA: MAGI room.

What this means for you

What this means for you: the RMD is a floor for the accounts the page includes, not a suggestion to spend it. A QCD can satisfy an IRA RMD in the way the page describes. A 401(k) at a job you still have can be outside the IRA rule when you turn that toggle on. Table II for a much-younger spouse is not used.

How to use this calculator

Open the RMD calculator and keep the sample numbers or replace them with your own. The result updates as you type.
Read the headline figure first, then the breakdown or chart under it.
Use Copy share link if you want those inputs in the URL. The page is an educational estimate, not a filing, approval, or recommendation.

FAQ

How is the RMD calculated?

Prior-year-end balance divided by the Uniform Lifetime factor for that age. Age 73 uses the factor printed on the page.

What is a QCD on this page?

A qualified charitable distribution entered against the RMD, within the rules the page states.

Does everyone start at the same age?

The page follows the age rules it labels, including the still-working exception for a 401(k). Inherited IRAs are a different clock.

Educational, not financial advice. Page updated October 24, 2026 — no tax, limit, or rate figure was changed in this review.