RMD calculator

For the standard owner table, divide the prior year-end account balance by the IRS Uniform Lifetime Table divisor.

On your device · No account

Privacy details

RMD calculator processes your input in this browser. Inputs and results are excluded from analytics. Recent tools save tool names, visit counts and last-visit times. Saved tools store only their names. Draft saving is optional and stays on this device; delete saved text with the draft controls. Loading text from a URL is optional and contacts that server; its URL and your IP address are visible to the server. An optional “Use in” action keeps a handoff in this tab. The next tool removes it on arrival and ignores it if more than a minute has passed.

Copy link includes the inputs you choose to share in the address. Anyone with that link can reopen them. Files and generated results are excluded. Password and key tools share settings only.

Account balance on 31 December 2025 (USD)

Age on your birthday in 2026

More inputs and assumptions

Account situation

Distribution year

Answer

…

For the standard owner table, divide the prior year-end account balance by the IRS Uniform Lifetime Table divisor.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

2026 calculation for an owner account subject to an RMD. Do not use this table for an inherited account, a Roth owner account, or a sole-beneficiary spouse more than 10 years younger. Annuity allocations and special employer-plan deferrals are excluded. This calculates an amount; it does not decide your starting age, deadline, tax or account aggregation rules.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

Scratch calculator

Check another calculation

Use +, −, ×, ÷, parentheses and %. A percentage is divided by 100. This does not change the main tool.

Reset reloads the tool with its starting values and releases open files and device controls. Saved drafts stay on this device until you delete them.

Links include your inputs and settings. Anyone with the link can see them, so leave out private text. Files and generated results are left out; random draws run again.

Keyboard shortcuts

Updated 2026-09-29

Using RMD calculator

For the standard owner table, divide the prior year-end account balance by the IRS Uniform Lifetime Table divisor.

Next: Financial calculator

Next: Income tax calculator

A worked example

At age 75 the IRS divisor is 24.6, so a $100,000 balance on 31 December 2025 means a 2026 distribution of $4,065.04.

Before you use the result

Example results for account balance on 31 december 2025 (usd)

These examples use Age on your birthday in 2026: 75; Account situation: Owner: Uniform Lifetime Table applies; Distribution year: 2026. They are reference calculations, not recommended settings.

Account balance on 31 December 2025 (USD)	Required distribution (USD)
50000	2,032.52
100000	4,065.04
200000	8,130.08

Cite this page

Citation style

ToolOctopus. “RMD calculator.” Updated 2026-09-29. https://tooloctopus.com/rmd-calculator.

Add an access date if your instructions require one.

Citation formatting uses citeproc-js by Frank Bennett and Citation Style Language styles. Licence and source code.