Required Minimum Distribution (RMD) Calculator
2026Calculate your Required Minimum Distribution for Traditional IRAs and 401(k)s using the IRS Uniform Lifetime Table.
Required Minimum Distribution
$18,867.92
Distribution Period
26.5
Percentage of Account
3.77%
Monthly Equivalent
$1,572.33
Deadline Reminder
Your RMD must be taken by: April 1 of the year after you turn 73
Since this is your first RMD year, you may delay until April 1 of next year. However, you will then need to take two RMDs in that year (the delayed first-year RMD plus the current-year RMD).
Failure to take your full RMD results in a 25% penalty tax on the amount not distributed (reduced from 50% under SECURE 2.0).
10-Year RMD Projection (assuming 5% annual growth)
| Age 73 (factor: 26.5) | $18,867.92 from $500,000.00 |
| Age 74 (factor: 25.5) | $19,811.32 from $505,188.68 |
| Age 75 (factor: 24.6) | $20,717.33 from $509,646.23 |
| Age 76 (factor: 23.7) | $21,661.41 from $513,375.35 |
| Age 77 (factor: 22.9) | $22,545.84 from $516,299.64 |
| Age 78 (factor: 22.0) | $23,565.52 from $518,441.49 |
| Age 79 (factor: 21.1) | $24,626.53 from $519,619.77 |
| Age 80 (factor: 20.2) | $25,729.85 from $519,742.90 |
| Age 81 (factor: 19.4) | $26,737.82 from $518,713.70 |
| Age 82 (factor: 18.5) | $27,922.96 from $516,574.68 |
Use the Required Minimum Distribution (RMD) Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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