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Required Minimum Distribution (RMD) Calculator 2026

Calculate the minimum you must withdraw from your IRA or 401(k) each year — using the official IRS Uniform Lifetime Table.

👵 Enter Your Account Details

Your Age (as of Dec 31, 2026)

Account Type

Account Balance (Dec 31, 2025) ($)

Spouse is Sole Beneficiary & >10 Years Younger?

Your Marginal Tax Rate (%)

Your RMD Amount
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Distribution Period (Divisor)
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Estimated Tax on RMD

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After-Tax Amount

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Penalty if You Miss Your RMD (25%)

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.