Your 2026 RMD, Plus a Lifetime Projection

Your required minimum distribution is worked out account by account, and the rules differ between IRAs and workplace plans. This shows the amount with the arithmetic behind it, then projects it forward.

Free, no signup, and RetireSmartIRA does not receive or store what you enter. If you add a name to the printed report, it stays in your browser too.

Every figure here comes from the Treasury regulations and the Internal Revenue Code, and the tables are checked against those sources on every build. See how this calculator is verified.

Did you inherit this IRA? Use the inherited IRA RMD calculator. Weighing up a Roth conversion? Use the Roth conversion calculator.

You

Date of birth

Month

Day

Year

Traditional, SEP and SIMPLE IRAs, totaled, on December 31, 2025

Employer plan money does not belong in this figure. Add it below.

Roth IRA balance (optional)My spouse is the sole beneficiary of every account I have entered here, for the whole of this year

Project your future RMDsgrowth rate and contributions

Optional. Your 2026 figure above does not depend on any of this.

Projection assumptionsExpected annual growth rate (%)

Every figure past this year rests on this rate. Returns will not actually arrive smoothly at it.

Annual contribution to your traditional IRA (optional)

This adds to the traditional IRA balance above. It does not model SEP, SIMPLE or Roth IRA contributions, or contributions to a workplace plan, which have their own rules.

Enter a date of birth and at least one balance, and your 2026 RMD will appear here with the arithmetic behind it.