🔧 61tools Home All Tools

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
—

Distribution Period (Divisor)
—

Estimated Tax on RMD

—

After-Tax Amount

—

Penalty if You Miss Your RMD (25%)

—

Simplify RMDs with Vanguard or Fidelity

Consolidating IRAs makes RMD management much simpler. Vanguard and Fidelity offer free IRA rollovers.

Open a Vanguard IRA →

More Free Calculators

Home Office Deduction Calculator

Simplified vs regular method

401(k) Early Withdrawal Calculator

Penalty + tax cost of cashing out early

Child Tax Credit Calculator 2026

$2,000/child + refundable ACTC amount

Ohio Paycheck Calculator 2026

OH progressive brackets + federal take-home

⚠️ 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.