RMD Calculator: 2026 and 2027 Required Minimum Distribution
Enter your birth year and the December 31 balance of your IRA or retirement plan to see your RMD start age, when your first RMD is due, the divisor from the IRS Uniform Lifetime Table, this year's RMD, and a multi-year projection using a growth rate you choose.
Maintained by Archie Chang · Tables and rules checked against IRS sources October 23, 2026 · Methodology & sources
Your account
Projection with 5% annual growth
The growth rate is an assumption you entered, not a forecast. Each year the RMD is withdrawn at the start of the year, the rest grows once, and no contributions or other withdrawals are included. The table uses the Uniform Lifetime Table in force today.
| Year | Age | Prior Dec 31 balance | Divisor | RMD |
|---|---|---|---|---|
| 2027 | 74 | $500,000 | 25.5 | $19,608 |
| 2028 | 75 | $504,412 | 24.6 | $20,505 |
| 2029 | 76 | $508,103 | 23.7 | $21,439 |
| 2030 | 77 | $510,997 | 22.9 | $22,314 |
| 2031 | 78 | $513,117 | 22.0 | $23,323 |
| 2032 | 79 | $514,283 | 21.1 | $24,374 |
| 2033 | 80 | $514,405 | 20.2 | $25,466 |
| 2034 | 81 | $513,386 | 19.4 | $26,463 |
| 2035 | 82 | $511,269 | 18.5 | $27,636 |
| 2036 | 83 | $507,815 | 17.7 | $28,690 |
| 2037 | 84 | $503,081 | 16.8 | $29,945 |
| 2038 | 85 | $496,792 | 16.0 | $31,050 |
| 2039 | 86 | $489,030 | 15.2 | $32,173 |
| 2040 | 87 | $479,700 | 14.4 | $33,312 |
| 2041 | 88 | $468,706 | 13.7 | $34,212 |
Result
RMD start age
73
First RMD year and deadline
2026, due by April 1, 2027
Later years are due December 31. Delaying the first one means two RMDs in 2027.
Divisor (age 74 in 2027)
25.5
2027 RMD
$19,607.84
Due by December 31, 2027.
How the calculator works
Start age. Born 1951 to 1959: 73 (1959 per the proposed regulations). Born 1960 or later: 75. Born 1950 or earlier: 70½ (born before July 1, 1949) or 72, shown for context, since those owners already take RMDs. The first RMD year is the year you reach that age. You may take it by April 1 of the next year, but then your second RMD is due December 31 of that same year.
Amount. Prior December 31 balance divided by the Uniform Lifetime Table divisor for your age in the distribution year. See the full table on the RMD table 2027 or RMD table 2026 pages.
Roth accounts. Roth IRAs have no lifetime RMDs, and designated Roth accounts in 401(k) and 403(b) plans have had none since 2024. Pre-tax money in the same plan still does.
What it leaves out. The Joint and Last Survivor Table for a spouse more than 10 years younger; plan-specific rules such as the still-working exception for a current employer's 401(k); account-by-account aggregation rules; qualified charitable distributions; annuity contracts; and the possibility that Congress or the IRS changes the rules. A taxable RMD can also raise your Medicare premiums; see the IRMAA calculator.
RMD calculator questions
How is an RMD calculated?
Divide the account balance on December 31 of the previous year by the distribution period from the IRS Uniform Lifetime Table for the age you reach this year. At 75 the period is 24.6, so $500,000 gives an RMD of about $20,325.
At what age do I have to start taking RMDs?
Age 73 if you were born from 1951 to 1959, and age 75 if you were born in 1960 or later (SECURE 2.0 section 107). Owners born in 1950 or earlier are already taking RMDs. Your first RMD is for the year you reach that age and can be delayed until April 1 of the next year.
Do Roth IRAs have RMDs?
Not while the owner is alive. Since 2024, designated Roth accounts in 401(k) and 403(b) plans have no lifetime RMDs either. Beneficiaries who inherit a Roth account must still follow the post-death rules, usually the 10-year rule for non-spouse beneficiaries.
Which balance do I use?
The value of the account on December 31 of the year before the distribution year, from your year-end statement. For a 2027 RMD that is the December 31, 2026 balance. Contributions, rollovers and distributions made after that date do not change the RMD.
What if my spouse is more than 10 years younger?
If your spouse is your only beneficiary for the whole year and is more than 10 years younger, the Joint and Last Survivor Table applies. It gives a longer period and a lower RMD. This calculator does not include that table and will not give a number in that case; see Table II in IRS Publication 590-B.
Is the projection a forecast?
No. It repeats the same calculation each year using the growth rate you enter. It assumes the RMD is withdrawn at the start of each year, no other deposits or withdrawals, and that the Uniform Lifetime Table does not change. Real returns vary, and so will your RMDs.
Can I take my RMD from any account?
For traditional IRAs, yes: calculate each IRA, add the amounts and withdraw the total from any one or more of them. 403(b) accounts can be combined with each other. 401(k) plans must each pay their own RMD, and an IRA cannot satisfy a 401(k) RMD.
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