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Retirement

RMD Calculator

Estimate a required minimum distribution using the IRS Uniform Lifetime Table for an account owner.

Best for: Estimate an account owner’s required minimum distribution using the prior year-end balance and IRS Uniform Lifetime Table.

Your assumptions

Calculate your estimate

Your result

RMD estimate

Estimated RMD
$28,301.89
Monthly equivalent
$2,358.49
IRS distribution period
26.5

How to use this rmd calculator

Use this RMD calculator for a simplified account-owner estimate based on the prior year-end balance and the IRS Uniform Lifetime Table. Different rules apply to some spouses, beneficiaries, inherited accounts, and plan types.

  1. 1

    Use the prior year-end balance

    Enter the eligible retirement-account balance as of December 31 of the preceding year.

  2. 2

    Enter age for the distribution year

    Use the age reached during the year for which the RMD is being estimated.

  3. 3

    Verify the correct IRS table

    Confirm that the Uniform Lifetime Table applies before relying on the estimate.

Worked planning example

Example: estimate a 2026 account-owner RMD

Set up

Enter the qualifying retirement-account balance from December 31, 2025 and the age reached in 2026.

Compare

Compare the result with the custodian’s calculation and determine whether other eligible accounts must be calculated separately.

Takeaway

The prior year-end balance and the applicable life-expectancy table, not the current balance alone, drive the estimate.

RMD mistakes can have tax consequences

Confirm the deadline, account coverage, aggregation rules, and table with the custodian or a qualified tax professional.

  • A spouse more than ten years younger and sole beneficiary may require a different table.
  • Inherited accounts can follow different distribution rules.
  • The withdrawal may be taxable even when the amount is correctly calculated.

Calculation methodology and assumptions

The estimate divides the prior year-end balance by the applicable IRS Uniform Lifetime Table distribution period. Different tables and rules may apply to inherited accounts or a spouse more than 10 years younger.

Primary references

Frequently asked questions

Which balance is used for a 2026 RMD?

The estimate generally starts with the eligible account balance as of December 31, 2025 and divides it by the applicable 2026 life-expectancy factor.

Does the Uniform Lifetime Table apply to everyone?

No. Different tables or rules can apply when the sole beneficiary spouse is more than ten years younger or when the account is inherited.

Can RMDs from different accounts be combined?

Aggregation rules vary by account type. Calculate each account correctly and confirm which distributions may be combined before withdrawing.

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