RMD Calculator for Traditional IRAs
Estimate your 2026 required minimum distribution from each traditional IRA's December 31, 2025 balance and the IRS Table III factor for your age, then see the total across up to ten IRAs.
2026 distribution year, ordinary traditional IRAs only. For your own traditional IRAs, using each IRA's December 31, 2025 balance and the IRS Uniform Lifetime Table (Table III). Not for inherited, Roth, rollover, annuity, 401(k) or other plans. IRS Publication 590-B; IRS sources reviewed September 25, 2026.
We can't estimate this situation
Estimated 2026 RMD total for your traditional IRAs
Source: IRS Publication 590-B (2025), Appendix B, Table III (Uniform Lifetime); see also the current Publication 590-B. Reviewed by ToolNeko September 25, 2026.
How the 2026 RMD is figured
For each traditional IRA, divide its December 31, 2025 balance by the factor in the IRS Uniform Lifetime Table (Table III) for the age you reach in 2026. At age 73 the factor is 26.5, so a $265,000 balance gives $10,000.00. At 80 the factor is 20.2; from 120 on it's 2.0.
Several IRAs
The RMD is calculated separately for each traditional IRA, and the amounts are added together. You can then take the total from one IRA or spread it across several. For example, at 73, balances of $100,000 and $165,000 give $3,773.59 and $6,226.42 here, $10,000.01 in all. This tool rounds each IRA up to the next cent, so that total is a cent higher than $265,000 ÷ 26.5.
What this estimate doesn't cover
It covers only your own ordinary traditional IRAs for 2026. It doesn't handle inherited IRAs, Roth IRAs, rollover IRAs, 401(k), 403(b) or 457(b) plans, SEP or SIMPLE IRAs, individual retirement annuities or IRAs with an annuity component, a much younger spouse as sole beneficiary, status changes during the year, or outstanding rollover or recharacterization adjustments. It also doesn't estimate taxes, penalties or other years. Check the amount with your IRA custodian or a tax professional. Your answers, age and balances stay in this browser tab: they aren't stored by this page (unless you download a receipt), added to the page address or sent in analytics.
Frequently asked questions
Why does a 2025 balance set the 2026 RMD?
For a traditional IRA, the RMD for a year is the account balance on December 31 of the year before, divided by the life expectancy factor for the age you reach that year. So the 2026 amount uses each IRA's December 31, 2025 balance and your age on your 2026 birthday.
When does Table II apply instead?
If your spouse was the sole beneficiary of an IRA on January 1 and is more than 10 years younger than you, the IRS Joint and Last Survivor table (Table II) applies to that IRA and usually gives a smaller RMD. This tool uses only Table III, so it stops and points you to Publication 590-B in that case.
Can I delay my first RMD until April 1?
Yes. The RMD for the year you reach 73 can be taken as late as April 1 of the next year. The next year's RMD is still due by December 31 of that year, so delaying the first one can mean two distributions in one year. The calculator notes this for age 73 but doesn't choose a date for you.
Why aren't 401(k), Roth or inherited IRAs included?
They follow different rules. 401(k) and 457(b) RMDs are taken plan by plan, 403(b) contracts have their own aggregation rule and can't be combined with IRAs, Roth IRAs have no RMDs for the original owner, and inherited IRAs use beneficiary rules and tables. RMDs from IRAs you own can be totaled and taken from one or more of them; this version estimates only your own traditional IRAs (not SEP or SIMPLE).
Why is the total a cent different from another calculator?
This tool rounds each IRA up to the next cent; many calculators round to the nearest cent. One IRA can show a cent more ($3,773.59 instead of $3,773.58 for $100,000 at 73), and a total across several IRAs can be a few cents more. The IRS factor is the same; the unrounded result is shown next to each IRA.