Free Tool

RMD Calculator

Enter your age and traditional retirement account balance to see your Required Minimum Distribution using the IRS Uniform Lifetime Table.

Your 2026 RMD

RMD amount
$37,736
% of balance
3.77%
IRS divisor (age 73)
26.5
Penalty if missed
$9,434

About RMDs

Required Minimum Distributions begin at age 73 (rising to 75 in 2033). Each year, you must withdraw at least the balance divided by the IRS Uniform Lifetime Table divisor. Missing an RMD triggers a 25% penalty — reduced to 10% if corrected within two years.

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