RMD Calculator

Calculate your Required Minimum Distribution from IRAs and 401(k)s. Free 2026 calculator with updated IRS tables.

RMD starting age: 73 (SECURE 2.0)

Starting Age

$12,500

Avg Annual RMD

25%

Missed RMD Penalty

Dec 31

Annual Deadline

Free RMD Tools

Calculate your Required Minimum Distribution

Understanding RMD requirements

RMDs start at age 73 (SECURE 2.0)

First RMD deadline: April 1 of next year

Subsequent RMDs due December 31

Penalty reduced from 50% to 25%

Roth IRAs: no RMDs for original owner

Inherited IRAs: 10-year rule applies

Free, instant calculation using 2026 IRS tables.