Calculate Your 2026 Required Minimum Distribution
Understand your obligations under the SECURE 2.0 Act.
Born in 1953? You turn 73 in 2026 and must start distributions.
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.
Quick Reference: Uniform Lifetime Table
A sample of the divisors used for calculation.
| Age | 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 2026 RMD Calculator
Select Your Birth Year
This is critical for 2026. The 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. Do not include Roth IRAs.
Review & Plan
See your mandatory withdrawal amount instantly. Use the chart to visualize how these withdrawals impact your nest egg over the next 20 years.
Frequently Asked Questions
What happens if I don't take my RMD in 2026?
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%.
Can I withdraw more than the RMD amount?
Yes, absolutely. The RMD is the minimum amount you must withdraw. You are free to withdraw more, but remember that all distributions from traditional IRAs are generally taxed as ordinary income in the year they are received.
Do I have to take RMDs from my Roth IRA?
No. Under the SECURE 2.0 Act, starting in 2024, Roth IRAs are no longer subject to RMDs during the account owner's lifetime. However, RMDs may still apply to inherited Roth IRAs.
What is the deadline for my 2026 RMD?
For most people, the deadline is December 31, 2026. However, if 2026 is your very first year of RMD eligibility (i.e., you turn 73 in 2026), you have a one-time extension until April 1, 2027. Note that if you wait until 2027, you will have to take two RMDs in that tax year.
Is the RMD table different for married couples?
The "Uniform Lifetime Table" used in this calculator applies to most unmarried owners and married owners whose spouses are not more than 10 years younger. If your spouse is more than 10 years younger and is the sole beneficiary, you may use the "Joint Life and Last Survivor Table," which results in smaller RMDs.