IRA and retirement account planning

2026 RMD Calculator

Estimate the required minimum distribution for a traditional IRA or similar tax-deferred account from age, prior December 31 balance, withdrawals already taken, and federal withholding.

Estimated 2026 RMD$16,037.74RMD year detected for age 73

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2026 estimate

Remaining to withdraw$16,037.743.8% of prior-year balance
Age in RMD year73
Distribution period26.5
Monthly gross target$1,336.48
Net after withholding$14,433.96
RMD year detected for age 73The regular annual deadline is December 31. If 2026 is the first RMD year, the first withdrawal may be delayed until April 1, 2027.
Formula$425,000 / 26.5 = $16,037.74

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What this covers

  • Regular lifetime RMD estimates using IRS Table III.
  • Traditional IRA, SEP IRA, SIMPLE IRA, and similar balance planning.
  • Withdrawal remaining after amounts already taken in the same year.
  • Basic federal withholding and monthly cash-flow planning.