Free Tool
Enter your date of birth and account balance to see your 2026 RMD, calculated from the current IRS life-expectancy tables. Works for your own IRA, an inherited IRA, and the spousal exception. No sign-up required.
Your Result
This is an estimate based on current IRS life-expectancy tables — for your exact required distribution, consult your tax adviser or CPA.
Get a copy of this result emailed to you, plus a quick review of how it fits into your broader retirement picture — free, no obligation.
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How this calculator works
Your RMD isn't an estimate the industry comes up with — it's your account balance as of the prior December 31st, divided by a life-expectancy factor the IRS publishes in Publication 590-B, Appendix B.
This calculator uses the exact IRS tables — the Uniform Lifetime Table for most account owners, the Joint and Last Survivor Table when a spouse more than 10 years younger is the sole beneficiary, and the Single Life Expectancy Table for inherited-IRA beneficiaries who qualify to stretch distributions.
For inherited IRAs, the rules depend on your relationship to the original owner and whether they died before or after their own required beginning date — age 73 for most people born 1951–1959, age 75 for anyone born 1960 or later, under SECURE 2.0.
Most adult non-spouse beneficiaries fall under the 10-year rule: if the owner had already started RMDs, annual withdrawals are required in years 1–9, in addition to emptying the account by year 10. If the owner died before starting RMDs, only the year-10 deadline applies.
Have a less common situation — multiple beneficiaries, a trust named as beneficiary, or an account the original owner died before 2020? The rules get more detailed than this calculator models. Book a quick call and we'll walk through it with you.