Retirement Planning Tool
2026 RMD Calculator
Estimate Your Required Minimum Distribution
Understanding your RMD is essential for effective retirement planning.
Once you turn 73, the IRS requires you to withdraw a minimum amount from your Traditional IRA each year — even if you don’t need the income. This is called a Required Minimum Distribution, or RMD, and missing it carries a steep penalty. This RMD calculator gives you an informed estimate of this year’s required distribution and projects it forward, based on your account balance, your age, and the IRS life expectancy tables that determine your retirement planning timeline.
The Basics
What is an RMD?
An RMD is the minimum amount the IRS requires you to withdraw each year from your Traditional IRA once you reach your required beginning age — 73 for anyone born 1951-1959, or 75 for anyone born 1960 or later. The amount is based on your prior year-end account balance and an IRS life-expectancy divisor that gets smaller as you age, meaning a growing percentage of your account must come out each year. Missing an RMD, or withdrawing too little, can trigger a steep IRS excise tax on the shortfall.
73
Age RMDs begin if you were born 1951–1959
75
Age RMDs begin if you were born in 1960 or later
25%
IRS excise tax on a missed RMD — reduced to 10% if corrected within the IRS correction window
Reference
The IRS Uniform Lifetime Table
The IRS publishes the Uniform Lifetime Table to set how much must come out of a Traditional IRA each year. Find the age you will reach by December 31 of the distribution year, then divide your prior year-end balance by the divisor shown. The RMD calculator below does this for you and projects the years ahead.
Calculate Your Traditional IRA Required Minimum Distribution
How RMD Rules Work
- The IRS requires Traditional IRA owners to begin withdrawing a minimum amount each year once they reach their required beginning age (73 or 75, depending on birth year).
- RMDs apply to Traditional IRAs; Roth IRAs are not subject to lifetime RMDs for the original owner.
- The amount is determined by dividing your prior year-end account balance by an IRS life-expectancy divisor, which shrinks as you age — meaning the required percentage withdrawn rises each year.
A thoughtful approach to distributions may help minimize the tax impact of your RMDs and support long-term retirement planning. Our Retirement Income Certified Professional, Aaron Simpson, CFP®, RICP®, helps clients plan ahead for required withdrawals.
2026 RMD Calculator
Estimate this year's Required Minimum Distribution and project it forward.
Account information
Your 2026 RMD Results
| Prior Dec. 31 balance | $0 |
| Uniform Lifetime divisor | — |
| Required minimum distribution | $0 |
| Remaining balance after RMD | $0 |
| Age | Divisor |
|---|
| Year | Age | Start balance | Divisor | RMD |
|---|
This is a hypothetical situation used for education purposes only. The information does not represent a current client, and the results shown are hypothetical — they do not reflect actual results achieved by any client are not a guarantee of future performance. Actual results will vary based on an individual's specific circumstances.
This RMD Calculator provides a generalized estimate based on the information you input and the IRS Uniform Lifetime Table rules published by the Internal Revenue Service. The results are hypothetical and are intended solely for educational and illustrative purposes. They do not constitute financial, tax, or legal advice and may not reflect your actual required distribution or future tax liabilities.
All calculations rely on current IRS life-expectancy tables, required-beginning-age rules, and applicable assumptions, which are subject to change at any time. Actual outcomes may vary due to changes in federal law, IRS methodologies, future account performance, filing status, or other personal circumstances. Moran Wealth Management® does not guarantee the accuracy of any projections or the applicability of the calculator to your specific situation.
You should consult directly with a qualified financial professional, tax professional, or the IRS before making any decisions based on these estimates. Use of this tool does not establish a client relationship with Moran Wealth Management®.
Get Your RMD Report
Enter your details below to view your personalized RMD analysis.
Questions & Answers
Frequently Asked Questions
Every retirement picture is different. If you have questions about your own required distributions, a Moran Wealth Management® advisor can help you plan ahead.
Related Resources
- Medicare IRMAA CalculatorSee how RMD income can affect your Medicare premiums.
- Roth Conversion ConversationsHow Roth conversions can reduce future RMDs.
- Strategic Tax PlanningPlanning for how distributions are taxed.
- Could Your IRA Withdrawals Increase Medicare Premiums?Our article on withdrawals and Medicare costs.
- Year-End Wealth PlanningThe December 31 RMD deadline and other year-end steps.
- How to Calculate Your RMDThe RMD formula, step by step.
What is a Required Minimum Distribution?
An RMD is the minimum amount the IRS requires you to withdraw each year from a Traditional IRA (and most employer retirement plans) once you reach your required beginning age, generally 73 or 75 depending on your birth year.
How is my RMD calculated?
Your RMD is calculated by dividing your Traditional IRA’s prior December 31 balance by the IRS Uniform Lifetime Table divisor for the age you’ll attain by the end of the distribution year.
Do Roth IRAs require RMDs?
No. Roth IRAs and designated Roth 401(k)/403(b) accounts do not require lifetime RMDs for the original owner.
What happens if I miss an RMD?
The IRS can assess a 25% excise tax on the amount not withdrawn as required, reduced to 10% if the shortfall is corrected within the IRS’s correction window.