Find this year's required minimum distribution from your IRA or 401(k), using the IRS Uniform Lifetime Table and the SECURE 2.0 start ages.
Your 2026 RMD at age 74
$19,608
$500,000 ÷ 25.5 (Uniform Lifetime Table). That is 3.9% of the balance.
BalanceRMD ×10 (for scale)Age →
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Explainer: why the percentage climbs every year
The divisor is roughly how many more years the IRS expects the account to pay out. Each birthday it shrinks, so the share you must take grows. Step through the years:
Age 74 (2026): $500k ÷ 25.5 = $19,608, or 3.9% of the account.
At 75 you take about 4.1%; by 85 it's 6.3%; by 95 it's 11.2%. Growth above that rate still lets the balance rise for a while.
Your RMD schedule
Age
Year
Start balance
Divisor
RMD
74
2026
$500,000
25.5
$19,608
75
2027
$504,412
24.6
$20,505
76
2028
$508,103
23.7
$21,439
77
2029
$510,997
22.9
$22,314
78
2030
$513,117
22
$23,323
79
2031
$514,283
21.1
$24,374
80
2032
$514,405
20.2
$25,466
81
2033
$513,386
19.4
$26,463
82
2034
$511,269
18.5
$27,636
83
2035
$507,815
17.7
$28,690
84
2036
$503,081
16.8
$29,945
85
2037
$496,792
16
$31,050
86
2038
$489,030
15.2
$32,173
87
2039
$479,700
14.4
$33,312
88
2040
$468,706
13.7
$34,212
89
2041
$456,219
12.9
$35,366
90
2042
$441,896
12.2
$36,221
91
2043
$425,959
11.5
$37,040
92
2044
$408,365
10.8
$37,812
93
2045
$389,081
10.1
$38,523
94
2046
$368,086
9.5
$38,746
95
2047
$345,807
8.9
$38,855
96
2048
$322,300
8.4
$38,369
97
2049
$298,127
7.8
$38,221
98
2050
$272,901
7.3
$37,384
99
2051
$247,293
6.8
$36,367
RMD rules in short
Start age: 73 if born 1951–1959, 75 if born 1960 or later (SECURE 2.0).
Deadline: December 31 each year; the first one can wait until April 1 of the next year.
IRAs can be combined: work out each IRA's RMD, then take the total from any of them. 401(k)s must each pay their own.
Charitable giving: from 70½ a qualified charitable distribution straight from an IRA counts toward your RMD without being taxed.
Lower future RMDs by converting some Traditional money to Roth before they start; see the Roth conversion calculator.
Questions people ask
How is my RMD calculated?
Take your account balance on December 31 of the previous year and divide it by the distribution period for your age in the IRS Uniform Lifetime Table. At 75 the divisor is 24.6, so a $500,000 balance means an RMD of $20,325.
At what age do RMDs start?
Under SECURE 2.0, RMDs start at 73 if you were born between 1951 and 1959, and at 75 if you were born in 1960 or later. Your first RMD can be delayed until April 1 of the following year, but then you take two in one year.
Which accounts have RMDs?
Traditional IRAs, SEP and SIMPLE IRAs, and Traditional and Roth 401(k), 403(b) and 457(b) plans have had them, but Roth 401(k)s no longer do from 2024. Roth IRAs have no RMDs for the original owner.
What if my spouse is more than 10 years younger?
If your spouse is your sole beneficiary and more than 10 years younger, you use the IRS Joint and Last Survivor table instead, which gives a smaller RMD. This calculator uses the Uniform Lifetime Table.
What is the penalty for missing an RMD?
The excise tax is 25% of the amount you should have withdrawn, reduced to 10% if you correct it within two years.