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RMD Calculator 2026
Calculate an original traditional IRA owner’s required minimum distribution using the IRS Uniform Lifetime Table.
- Annual RMD, $
- 11,320.75
- Remaining required withdrawal, $
- 11,320.75
- Uniform Lifetime factor
- 26.5
How the calculation works
RMD = prior December 31 balance / the factor for age at the end of the distribution year.
Inputs
- Age at the end of 2026
- Balance on December 31, 2025, $
- Already withdrawn toward the 2026 RMD, $
Calculation details
For 2026: original owner aged 73+, not an inherited account, and no sole-beneficiary spouse more than 10 years younger. Otherwise a different table applies.
An original Roth IRA owner has no lifetime RMD. The first required distribution can have a special deadline; verify deadlines and account aggregation under IRS rules.
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Updated: 2026-10-02