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HOURCRUNCH

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RMD Calculator

This year’s required minimum distribution from a traditional IRA, worked out in plain sight: last year’s balance, the IRS divisor for your age, and one division. No ads on this page.

Is your spouse your only beneficiary and more than 10 years younger than you?
REQUIRED MINIMUM DISTRIBUTION

Enter your birth year and balance.

The IRS table, ages 73 to 100

Source: IRS Publication 590-B, Table III, Uniform Lifetime Table. Checked Oct 19, 2026. Your age is the age you reach by December 31 of the withdrawal year.

AGE IN 2026DIVISOR
7326.5
7425.5
7524.6
7623.7
7722.9
7822.0
7921.1
8020.2
8119.4
8218.5
8317.7
8416.8
8516.0
8615.2
8714.4
8813.7
8912.9
9012.2
9111.5
9210.8
9310.1
949.5
958.9
968.4
977.8
987.3
996.8
1006.4

How it works

Take your traditional IRA balance on December 31 of last year. Find the divisor for the age you reach this year in the IRS table. Divide the balance by the divisor. That’s the least you must withdraw this year.

If your spouse is your only beneficiary and more than 10 years younger, the IRS uses a different table, and so do we. Roth IRAs have no RMD for the original owner. Inherited IRAs follow other rules and aren’t covered here.

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