SECURE 2.0 · RMDs start at 73, 75 or 72 depending on your birth year
RMD Calculator (Required Minimum Distribution)
The IRS requires you to withdraw a minimum amount from your traditional retirement accounts each year once you reach your RMD start age. Enter your details to see when yours begin and this year's required amount.
Your RMDs
Based on your birth year, your RMDs begin at age 73 — in 2026.
Required minimum distribution this year
$18,868
About $0
- Per month$1,572
- Share of balance3.8%
- Life-expectancy factor26.5%
Miss an RMD and the penalty is steep (25%, reduced to 10% if corrected promptly). Roth IRAs have no RMDs during the owner's lifetime.
Figures current for 2026 · last reviewed June 2026 · sourced from the IRS (IRS Notice 2025-67). How we calculate & cite our data. Educational only — not financial advice.
Assumptions & notes
How is an RMD calculated?
Divide your prior-year-end balance by a life-expectancy factor from the IRS Uniform Lifetime Table. We use that table (most common case). If your sole beneficiary is a spouse more than 10 years younger, a different (Joint Life) table gives a smaller RMD.
When do RMDs start?
Your RMD start age depends on your birth year under SECURE 2.0: born 1950 or earlier, age 72 (70½ if you reached it before 2020); born 1951-1959, age 73; born 1960 or later, age 75. Your first RMD can be delayed to April 1 of the year after you reach that age, but then you'd take two distributions that year.
Which accounts have RMDs?
Traditional 401(k)s, 403(b)s and IRAs do. Roth IRAs have no lifetime RMDs, and as of 2024 Roth 401(k)s no longer require lifetime RMDs either.
These are assumptions, not guarantees. Investment returns and inflation are estimates you control - markets vary and past performance does not predict future results. Tax figures use current-year IRS numbers; your situation may differ. This tool is educational and not financial advice.