RMD Calculator — Required Minimum Distribution (2026)
Calculate this year's required minimum distribution from your traditional IRA using the IRS Uniform Lifetime Table, plus a 10-year projection of future RMDs.
Uses 2026 as the current year. Your applicable age to begin RMDs: 73 (born 1951-1959 — age 73 rule).
This year's RMD (age 73)
10-year projection (Table III, assumed 5.0% growth)
| Age | Starting balance | Divisor | RMD |
|---|---|---|---|
| 73 | $400,000 | 26.5 | $15,094 |
| 74 | $404,151 | 25.5 | $15,849 |
| 75 | $407,717 | 24.6 | $16,574 |
| 76 | $410,700 | 23.7 | $17,329 |
| 77 | $413,040 | 22.9 | $18,037 |
| 78 | $414,753 | 22 | $18,852 |
| 79 | $415,696 | 21.1 | $19,701 |
| 80 | $415,794 | 20.2 | $20,584 |
| 81 | $414,971 | 19.4 | $21,390 |
| 82 | $413,260 | 18.5 | $22,338 |
Estimate only, for a traditional IRA using the Uniform Lifetime Table (Table III) — the table used by unmarried owners, owners whose spouse isn't the sole beneficiary, and owners whose spouse is the sole beneficiary but not more than 10 years younger. Doesn't model 401(k)/employer-plan RMDs (which can sometimes be delayed while still working), inherited IRAs (different rules entirely), Roth IRAs (no lifetime RMDs for the original owner), or qualified charitable distributions. The projection assumes a constant growth rate and no other withdrawals or contributions — a real balance path will differ. Not financial or tax advice.