Tools · Retirement

RMD calculator

Prior-year-end balance ÷ Uniform Lifetime Table (Pub. 590-B Table III; 26 CFR 1.401(a)(9)-9). Age 73 factor 26.5. Primer: RMD guide. Does not use Table II (spouse 10+ years younger). Defaults are an example, not your statement.

Age you turn this year Birth year (optional — sets age for 2026) IRA + old-plan balance on Dec 31 last year ($) Current-employer 401(k)/403(b) Dec 31 ($)

IRAs and former-employer plans always use the table at the start age. Current-employer money is separate.

Still working at this employer, not a >5% owner QCD this year (IRA only, age 70½+) First-year April 1 delay Assumed next Dec 31 IRA/old-plan balance (delay only)

2026 QCD exclusion $111,000 (Notice 2025-67). QCD does not come from a 401(k).

Uniform Lifetime factor

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IRA RMDs may be aggregated and taken from one IRA. 401(k) RMDs stay in that plan. Joint-life Table II (spouse 10+ years younger, sole beneficiary) is out of scope — that RMD is smaller. Paid sequence: RMD playbook. Withdrawal order: tax-efficient withdrawals. IRMAA: MAGI room.