2026 . Uniform Lifetime Table

RMD Calculator

Estimate your 2026 required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table.

Your age at the end of 2026

Balance on Dec 31, 2025 ($)

Your estimated 2026 RMD

Life expectancy factor

RMD as % of balance

Required minimum distribution

Roughly per month

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Required minimum distributions begin at age 73 for those born 1951 to 1959 and age 75 for those born in 1960 or later. This uses the IRS Uniform Lifetime Table (most owners) and your prior year-end balance. If your sole beneficiary is a spouse more than 10 years younger, a different table applies. Roth IRAs have no RMD during the owner's life. Estimates only, not tax advice. Phone 689-331-5723.