401(k) & IRA RMD Calculator 2026 — Required Minimum Distribution
Calculate mandatory annual Required Minimum Distributions (RMDs) from traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.
⚙️ Calculation Parameters
📊 Real-Time Analysis
Institutional Mathematical Principles & US Regulatory Methodology
Accurate financial planning requires uncompromised computational fidelity. In accordance with federal standards and standard US banking underwriting practices, this tool calculates exact amortization curves, tax brackets, and cash flow projections.
Core Mathematical Formula
By eliminating bank spreads, hidden dealer fees, and estimated ranges, users receive exact quantitative breakdowns designed for verifiable decisions before executing financial commitments.
Strategic Guidance for US Consumers
- Verify Against Primary Documents: Always cross-examine calculations against official IRS Form 1040 schedules, loan estimates, or brokerage statements.
- Factor In State Variations: Many US states impose local taxes, mill rates, or compliance regulations that supplement federal baseline thresholds.
- Automate Periodic Reviews: Recalculate your metrics semi-annually as interest rates, statutory contribution limits, and inflation indexes shift.
Frequently Asked Questions
What is the starting age for RMDs?
Under the SECURE 2.0 Act, the mandatory RMD starting age is 73 (rising to 75 in 2033).
What accounts require RMDs?
Traditional IRAs, SEP IRAs, SIMPLE IRAs, and traditional 401(k)s. Roth IRAs do not require lifetime RMDs.
What is the penalty for missing an RMD?
The SECURE 2.0 Act reduced the penalty from 50% down to 25%, and 10% if corrected in a timely manner.
Can I withdraw more than the RMD amount?
Yes. The RMD is strictly the minimum threshold. You can withdraw more at any time.