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How much must I withdraw for my RMD, and by when?
Find the year your required minimum distributions begin, the first deadline, this year's amount, and how the withdrawals could grow over the next ten years.
Yearfold is a financial-education tool. It is not a registered investment adviser and does not provide personalized investment, tax, or legal advice. Results are probabilistic projections based on historical data and stated assumptions; they are not guarantees. Methodology
By Mindaugas Laucius · Last reviewed October 21, 2026
Your 2026 RMD
$18,868
$500,000 ÷ 26.5 (age 73)
RMDs begin at
Age 73
First RMD year 2026; due by April 1, 2027.
| Year | Age | Balance (Jan 1) | Divisor | RMD |
|---|---|---|---|---|
| 2026 | 73 | $500,000 | 26.5 | $18,868 |
| 2027 | 74 | $505,189 | 25.5 | $19,811 |
| 2028 | 75 | $509,646 | 24.6 | $20,717 |
| 2029 | 76 | $513,375 | 23.7 | $21,661 |
| 2030 | 77 | $516,300 | 22.9 | $22,546 |
| 2031 | 78 | $518,441 | 22 | $23,566 |
| 2032 | 79 | $519,620 | 21.1 | $24,627 |
| 2033 | 80 | $519,743 | 20.2 | $25,730 |
| 2034 | 81 | $518,714 | 19.4 | $26,738 |
| 2035 | 82 | $516,575 | 18.5 | $27,923 |
Assumes the RMD is withdrawn each year and the rest grows at the rate above.
How this works
Required minimum distributions (RMDs) force money out of tax-deferred accounts such as traditional IRAs and 401(k)s. SECURE 2.0 pushed the starting age back: you begin at 73 if you were born from 1951 through 1959, and at 75 if you were born in 1960 or later. Born in 1949 or 1950 means you began at 72.
Each year's amount is the account balance on December 31 of the prior year divided by a distribution period from the IRS Uniform Lifetime Table. The divisor is 26.5 at 73 and shrinks each year, so the share you must take rises: about 3.8% at 73, about 4.9% at 80 and about 8.2% at 90.
Your very first RMD can wait until April 1 of the following year. Every later one is due by December 31. Using the April delay means two RMDs land in the same tax year, which can push you into a higher bracket or a Medicare IRMAA tier, so the first-year timing is worth a moment's thought.
The ten-year projection takes out each year's RMD and grows what's left at the rate you choose. It isn't a forecast of markets; it shows how the required withdrawal scales as the divisor falls.
Worked example: Born in 1953, $500,000 in a traditional IRA on December 31, 2025
- Start age: born 1951–1959, so RMDs begin at 73. You turn 73 in 2026, which makes 2026 your first RMD year.
- Distribution period at 73 (Uniform Lifetime Table): 26.5.
- 2026 RMD = $500,000 ÷ 26.5 = $18,868.
- Deadline: this first RMD may be taken as late as April 1, 2027; the 2027 RMD is still due by December 31, 2027.
The 2026 RMD is $18,868. If the rest grows 5%, the 2027 starting balance is about $505,189 and the age-74 divisor of 25.5 sets that year's RMD at about $19,811.
The full method behind every Yearfold number is on the methodology page.
Sources
Rules verified against these sources on October 21, 2026.
Questions
Do Roth accounts have RMDs?
Roth IRAs have no RMDs for the original owner. Since 2024, Roth 401(k) and Roth 403(b) accounts don't either, so leave Roth balances out of the number you enter here.
What happens if I miss an RMD?
The excise tax is 25% of the required amount you didn't withdraw. It drops to 10% if you take the missed amount and file a corrected return within the correction window, and the IRS can waive it for reasonable error if you request relief on Form 5329.
My spouse is much younger. Is my RMD different?
If your spouse is more than 10 years younger and is the sole beneficiary of the account, you use the IRS Joint Life and Last Survivor table instead, which gives a longer divisor and a smaller RMD. This calculator uses the Uniform Lifetime Table, so it would overstate your amount in that case.
Can a charitable gift count toward my RMD?
Yes. From age 70½ you can send IRA money directly to a qualified charity as a qualified charitable distribution, up to $111,000 in 2026. The gift counts toward your RMD and isn't included in your taxable income.
I have several IRAs. Do I take an RMD from each?
You calculate the RMD for each traditional IRA separately, but you may take the combined total from any one or more of them. 401(k)-type plans are different: each plan's RMD must come from that plan.
See this in your full plan
The free 10,000-path calculator puts this answer next to everything else: savings, spending, Social Security, taxes, Medicare and a spouse, with the odds your money lasts. Your inputs from this tool carry over.
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