RMD Calculator 2026: Calculate Your Required Minimum Distribution
Use our RMD online calculator to determine your 2026 obligations under the SECURE 2.0 Act.
Born in 1953? This rmd age calculator helps you plan your first distribution year.
Your Information
Determines your applicable RMD Age (73 or 75).
Projected value of your IRAs/401(k)s at the end of 2025.
Estimated 2026 RMD Amount
Applicable Factor (IRS Table III)
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Your Age in 2026
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Analysis for Born 1953
Portfolio Lifespan Projection
This chart projects your RMDs (Money Out) versus your Remaining Account Balance over the next 20 years. It assumes you only withdraw the required minimum and your investments grow at the selected rate.
InfoThe 2026 RMD Rules
The "Age 73" Rule: Under the SECURE 2.0 Act, if you were born between 1951 and 1959, your RMD starting age is 73.
Born in 1953? You turn 73 in 2026. This is your "first distribution year." You technically have until April 1, 2027, to take this specific withdrawal, but delaying it means you'll take two RMDs in 2027 (which could spike your taxes).
How it's calculated: We take your account balance as of December 31, 2025, and divide it by a "Life Expectancy Factor" found in the IRS Uniform Lifetime Table. As you get older, the factor gets smaller, and the percentage you must withdraw increases.
2026 RMD Table by Age (IRS Uniform Lifetime Table)
Quick reference for the rmd calculator table divisors used in 2026.
| Age in 2026 | Distribution Period | % of Account |
|---|---|---|
| 73 | 26.5 | 3.77% |
| 74 | 25.5 | 3.92% |
| 75 | 24.6 | 4.07% |
| 80 | 20.2 | 4.95% |
| 85 | 16.0 | 6.25% |
How to Use the RMD Distribution Calculator
Select Your Birth Year
This is critical for 2026. The rmd age calculator checks if you were born in 1953 (turning 73) or earlier to determine if the "Secure 2.0 Act" rules apply to you.
Enter Account Balance
Input the total value of your traditional IRAs and employer-sponsored retirement plans as of December 31, 2025. This is the base for your rmd calculator 2026 table lookup.
Review & Plan
See your mandatory withdrawal amount instantly. Use the rmd online calculator results to visualize how these withdrawals impact your nest egg over the next 20 years.
Frequently Asked Questions about RMD Calculator 2026
What is the RMD age for 2026?
Under the SECURE 2.0 Act, the RMD age is 73 for those born between 1951 and 1959. This means if you were born in 1953, you turn 73 in 2026 and must use an rmd calculator by age to find your mandatory withdrawal.
How does an RMD calculator beneficiary or bene IRA work?
An rmd calculator beneficiary (often called a bene IRA calculator) uses different rules. Most non-spouse beneficiaries must empty the account within 10 years, and some may also need to take annual distributions if the original owner had already started RMDs. Our beneficiary rmd calculator logic follows the latest 2024 IRS final regulations.
Where can I find the rmd table by age for 2026?
The rmd calculator 2026 table is based on IRS Publication 590-B, Table III (Uniform Lifetime Table). You can find the rmd table by age in our "Quick Reference" section above, which shows the distribution period for ages 73 and older.
Is this rmd distribution calculator free to use?
Yes, our rmd online calculator is a free tool designed to help you estimate your rmd distribution calculator needs for 2026. It's built specifically to handle the SECURE 2.0 changes affecting 2026 RMDs.
What happens if I miss my 2026 RMD deadline?
Failing to take your Required Minimum Distribution is costly. The penalty (excise tax) is 25% of the amount you failed to withdraw. However, if you correct the mistake within 2 years, this penalty may be reduced to 10%. Use an rmd calculator 2026 early to avoid these penalties.