Used to calculate your age and RMD start year. Born 1951-1959 = RMD age 73. Born 1960+ = RMD age 75 (starting 2033).
Determines which IRS life expectancy table applies to your calculation
Required if your spouse is the sole beneficiary and 10+ years younger
Your Retirement Accounts (Dec 31, 2025 Balances)
Account 1
Use your December 31, 2025 balance for each account. IRAs: combine all balances and take the total RMD from any one or combination of accounts. 401(k), 403(b), 457(b): calculate and take separately from each account. 403(b): balances may be combined. Roth 401(k) and Roth IRA: no RMD required during the owner's lifetime starting 2026.
Tax, Growth & Planning Settings
Social Security, pension, rental, part-time (for tax & IRMAA estimate)
Annual SS benefit — used to check IRMAA Medicare surcharge thresholds
Projects future account balances and RMD amounts over 10 years
Qualified Charitable Distribution — max $108,000 in 2026, age 70.5+. Counts toward RMD, excludes from taxable income.
RMD Calculation — Step by Step
10-Year RMD Projection
Annual RMD — projected 2026 through 2035
2026 RMD Rules & Key Deadlines
This calculator uses IRS Uniform Lifetime Table III, Joint Life Table II, and Single Life Table I from IRS Publication 590-B. The 2026 federal tax brackets apply. For educational purposes only. Consult a qualified tax professional before making distribution decisions. SECURE 2.0 and IRS Publication 590-B (2025) rules applied.