2026 Required Minimum Distribution Calculator
Calculate RMDs for multiple accounts and project an annual schedule through age 95.
Retirement accounts
Add each account separately. All accounts must belong to the same owner.
Retirement distribution analysis
RMD Schedule Report
Scenario summary
2026 RMD by account
Each account is calculated independently.
| Account | Type | Starting balance | IRS factor | 2026 RMD | RMD % | Projected year-end balance |
|---|---|---|---|---|---|---|
| Total | $0 | – | $0 | 0% | $0 | |
Projected balances and RMDs
Separate scales make the balance and distribution projections easier to read.
Projected year-end account balance
Projected annual RMD
Annual RMD schedule
Continues through age 95 or until all modeled accounts are depleted.
Assumptions
- Uses the IRS Uniform Lifetime Table and the owner’s age in each projection year.
- Each annual RMD is based on the account’s modeled balance at the end of the preceding year.
- The RMD is assumed to be withdrawn at the beginning of each year. The remaining account balance then earns the entered annual growth rate.
- RMD starting age is based on date of birth: prior-law ages for older owners, age 73 for people born from 1951 through 1959, and age 75 for people born in 1960 or later.
- Roth IRA owners do not have lifetime RMDs. A pre-tax employer plan begins RMDs in the later of the applicable RMD year or entered retirement year. The delay is assumed to be permitted and the owner is assumed not to be a 5% owner.
- This calculator is not for inherited accounts or an owner whose spouse is the sole beneficiary and more than 10 years younger.
- IRA RMDs are calculated separately. Qualifying IRA RMDs may generally be aggregated and withdrawn from one or more IRAs; employer-plan RMDs generally remain separate.
- The projection excludes contributions, rollovers, fees, taxes, qualified charitable distributions, and distributions beyond the calculated RMD.
This calculator provides an educational estimate and is not tax or investment advice.