Required Minimum Distribution Calculator 2026-2030

Calculate your RMD for 2026, 2027, 2028, 2029 or 2030 from traditional IRAs and employer retirement plans. Step-by-step divisor lookup, deadline, and shortfall excise tax.

IRC 401(a)(9) - required distributionsTreas. Reg. 1.401(a)(9)-9 - tablesIRC 4974 - excise taxForm 5329, Part IX

Last verified: October 29, 2026

Account Information

Distribution Year

The calendar year for which the RMD is computed.

Year of Birth

Sets the applicable age: IRC 401(a)(9)(C)(v); Treas. Reg. 1.401(a)(9)-2(b)(2).

Account Balance at December 31 of the Prior Year ($)

Fair market value on 12/31 of the year before the distribution year. Treas. Reg. 1.408-8(b)(2). For several IRAs, enter the total (the total RMD may be taken from any IRA).

Account Type

Roth IRAs have no lifetime RMD (IRC 408A(c)(4)).

Already Distributed This Year ($, optional)

Used to show the remaining amount and the shortfall excise tax.

Spouse Beneficiary My spouse is my sole beneficiary and is more than 10 years younger

Uses the Joint and Last Survivor Table. Treas. Reg. 1.401(a)(9)-5(c)(2).

RMD Calculation

Assumptions & sources

IRC 401(a)(9)(A), (C) (required distributions; required beginning date; applicable age 73 and 75, as amended by SECURE 2.0 Act sec. 107); IRC 408(a)(6), (b)(3) (IRAs); IRC 4974 (25% excise tax; 10% if corrected; waiver); Treas. Reg. 1.401(a)(9)-2(b)(2), -5(a)(3), -5(c), -9(c), -9(d); Treas. Reg. 1.408-8(b), (d), (e); Notice 2025-67 (QCD limit); Form 5329 (2025), Part IX lines 52a-55.

Educational estimate only; not tax advice. Verify the result with your plan administrator or IRA custodian, who generally reports the RMD amount. See the full disclaimer.

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