CALCULATOR
RMD Calculator (2026 Uniform Lifetime Table)
Starting at age 73 — 75 for those born in 1960 or later — the IRS forces you to withdraw a Required Minimum Distribution from your pre-tax IRA and 401(k) every year, taxed as ordinary income, whether you need the money or not. The required percentage climbs each year you are alive. This calculator projects your RMDs by age using the 2026 Uniform Lifetime Table, so you can see the forced-withdrawal climb into your 80s and 90s — and how it can push you into higher tax brackets and higher Medicare (IRMAA) tiers. Seeing the curve early is what makes room to convert on your terms first.
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Frequently asked
When do RMDs start in 2026?
Required Minimum Distributions begin at age 73 — or 75 for those born in 1960 or later. The IRS forces a withdrawal from your pre-tax IRA and 401(k) every year, taxed as ordinary income, and the required percentage climbs each year you're alive.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.