Account Information
Your retirement account details
Projection Assumptions
Growth and tax rate estimates
Balance & RMD Projection
IRS Uniform Lifetime Table
Distribution periods by age
| Age | Factor | % of Balance |
|---|---|---|
| 73 | 26.5 | 3.77% |
| 75 | 24.6 | 4.07% |
| 77 | 22.9 | 4.37% |
| 80 | 20.2 | 4.95% |
| 85 | 16.0 | 6.25% |
| 90 | 12.2 | 8.20% |
| 95 | 8.9 | 11.24% |
| 100 | 6.4 | 15.63% |
RMD Schedule
| Age | Year | Start Balance | Factor | RMD | End Balance |
|---|---|---|---|---|---|
| 73 | 2026 | $500,000 | 26.5 | $18,868 | $505,189 |
| 74 | 2027 | $505,189 | 25.5 | $19,811 | $509,646 |
| 75 | 2028 | $509,646 | 24.6 | $20,717 | $513,375 |
| 76 | 2029 | $513,375 | 23.7 | $21,661 | $516,300 |
| 77 | 2030 | $516,300 | 22.9 | $22,546 | $518,441 |
| 78 | 2031 | $518,441 | 22.0 | $23,566 | $519,620 |
| 79 | 2032 | $519,620 | 21.1 | $24,627 | $519,743 |
| 80 | 2033 | $519,743 | 20.2 | $25,730 | $518,714 |
| 81 | 2034 | $518,714 | 19.4 | $26,738 | $516,575 |
| 82 | 2035 | $516,575 | 18.5 | $27,923 | $513,084 |
| 83 | 2036 | $513,084 | 17.7 | $28,988 | $508,301 |
| 84 | 2037 | $508,301 | 16.8 | $30,256 | $501,948 |
| 85 | 2038 | $501,948 | 16.0 | $31,372 | $494,105 |
| 86 | 2039 | $494,105 | 15.2 | $32,507 | $484,678 |
| 87 | 2040 | $484,678 | 14.4 | $33,658 | $473,570 |
Total RMDs: $388,967 over 15 years
Estimated Taxes: $85,573 at 22% rate
What if my balance was different?
See how account balance affects your required distributions
Personalized Insights
1 insight based on your inputs
Qualified Charitable Distribution
At age 70.5+, you can donate up to $100,000 directly from your IRA to charity (QCD). This counts toward your RMD but isn't taxable income.
Related Calculators
Explore other tools that might help
RMD Results
Current RMD
$18,868
3.77% of balance
Distribution Period
26.5
Life expectancy factor
Frequently Asked Questions
What is an RMD (Required Minimum Distribution)?
RMDs are mandatory annual withdrawals from tax-deferred retirement accounts (Traditional IRA, 401k, 403b) starting at age 73 (as of 2023). They ensure you pay taxes on money that grew tax-deferred. Roth IRAs don't require RMDs during owner's lifetime.
How are RMDs calculated?
RMD = Account Balance (Dec 31 prior year) ÷ Distribution Period (from IRS life expectancy table). At 73, the factor is 26.5, so RMD is ~3.8% of balance. The percentage increases each year as life expectancy decreases.
When must I take my first RMD?
First RMD is due by April 1 of the year after you turn 73. Subsequent RMDs are due by December 31 each year. If you delay first RMD to April, you'll have two RMDs that year (potentially higher taxes). Most take first RMD in the year they turn 73.
What is the penalty for missing an RMD?
The penalty was reduced to 25% of the missed RMD (from 50%) as of 2023. If corrected within 2 years, penalty drops to 10%. File Form 5329 to report and pay penalty. IRS may waive penalty for reasonable cause with proper documentation.
Can I take more than my RMD?
Yes, you can always withdraw more than the RMD. However, excess withdrawals don't reduce future RMDs and are fully taxable. Consider tax bracket management - it may be beneficial to withdraw more in lower-income years to reduce future RMDs.
How this works
Calculations are run entirely in your browser. No inputs are sent to our servers and no account is required. Formulas follow standard US definitions from the IRS and the CFPB where applicable; international users should confirm local tax and regulatory rules apply.
What this tool can’t do
When to consult a professional
This is a software engineering tool, not financial advice. Run the math here, then take the result to a certified financial planner, CPA, or your bank before making a decision that materially affects your money.
Sources
- [1]Consumer Financial Protection Bureau (CFPB)Official sourceconsumerfinance.govAccessed Apr 21, 2026
US consumer finance regulator; authoritative on mortgage disclosures, APR rules, credit cards.
Full-stack software engineer specializing in embedded systems, web architecture, and AI/ML. Founder of Practical Web Tools. Built the gesture-controlled drone IP acquired by KD Interactive (Aura Drone, sold on Amazon).