RMD Calculator
Calculate your Required Minimum Distribution using the IRS Uniform Lifetime Table. See future RMD projections, tax impact, and strategies to minimize your tax burden.
Personal Details
Retirement Account Balances
Growth & Tax Assumptions
RMD Efficiency Score
Your RMD situation is well-managed. Your accounts should last through your projected lifetime.
This Year's RMD
$18,868
Lifetime RMDs
$495,865
This Year's RMD
$18,868
factor: 26.50
Tax on RMDs
$109,090
at 22% rate
Peak RMD
$36,597
at age 90
Lifetime RMDs
$495,865
ages 73-90
2026 RMD Breakdown
Your required distribution for this year
Prior Year-End Balance
$500,000
Distribution Factor
26.50
Uniform Lifetime Table
Required Distribution
$18,868
$14,717 after tax
RMD Amounts Over Time
Your required distributions increase as the distribution factor decreases
Account Balance Projection
How your pre-tax retirement balance changes over time
RMD vs. Account Growth
Are your withdrawals outpacing your investment returns?
Lifetime RMD Tax Impact
How much of your lifetime RMDs go to taxes
Total
$495,865
After-Tax Income
78%$386,775/yr
Federal + State Tax
22%$109,090/yr
Year-by-Year RMD Schedule
Detailed RMD projections with IRS distribution factors
| Age | Balance | Factor | RMD | Tax | After Tax | Growth | End Bal |
|---|---|---|---|---|---|---|---|
| 73 | $500,000 | 26.50 | $18,868 | -$4,151 | $14,717 | $24,057 | $505,189 |
| 74 | $505,189 | 25.50 | $19,811 | -$4,358 | $15,453 | $24,269 | $509,646 |
| 75 | $509,646 | 24.60 | $20,717 | -$4,558 | $16,159 | $24,446 | $513,376 |
| 76 | $513,376 | 23.70 | $21,661 | -$4,765 | $16,896 | $24,586 | $516,301 |
| 77 | $516,301 | 22.90 | $22,546 | -$4,960 | $17,586 | $24,688 | $518,442 |
| 78 | $518,442 | 22.00 | $23,566 | -$5,185 | $18,381 | $24,744 | $519,620 |
| 79 | $519,620 | 21.10 | $24,627 | -$5,418 | $19,209 | $24,750 | $519,743 |
| 80 | $519,743 | 20.20 | $25,730 | -$5,661 | $20,069 | $24,701 | $518,714 |
| 81 | $518,714 | 19.40 | $26,738 | -$5,882 | $20,856 | $24,599 | $516,574 |
| 82 | $516,574 | 18.50 | $27,923 | -$6,143 | $21,780 | $24,433 | $513,084 |
| 83 | $513,084 | 17.70 | $28,988 | -$6,377 | $22,611 | $24,205 | $508,301 |
| 90 | $446,481 | 12.20 | $36,597 | -$8,051 | $28,546 | $20,494 | $430,378 |
Personalized Insights
Actionable recommendations based on your numbers
Your 2026 RMD is $18,868 (3.8% of balance)
Based on your $500,000 balance and a distribution factor of 26.50. Deadline: December 31 (April 1 for your first RMD year).
25% penalty for missed RMDs
Failing to take your full RMD results in a 25% excise tax on the amount not withdrawn (reduced from 50% under SECURE 2.0). The penalty drops to 10% if corrected within 2 years.
Your tax rate on RMDs is manageable
At 22%, your lifetime tax on RMDs totals $109,090. That's 21.82% of your current balance.
Peak RMD of $36,597 at age 90
Your RMDs are projected to peak at $36,597/year. If investment returns exceed withdrawals in early years, RMDs grow larger over time. Consider taking more than the minimum in early years to smooth out your tax burden.
Qualified Charitable Distributions (QCDs)
If you're 70½ or older, you can donate up to $105,000 directly from your IRA to charity. QCDs count toward your RMD but aren't included in taxable income — one of the best tax strategies available.
Your pre-tax accounts should last through your lifetime
Even with required distributions, your account balance is projected to sustain withdrawals through age 90.
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