Required Minimum Distribution Calculator
Updated on 22 Oct 2026 · Checked by Aotob
At 75 with $500,000, you must withdraw at least $20,325 this year.
The divisor at 75 is 24.6.
Required minimum distribution
$20,325this year
Take it by December 31 (April 1 of the next year for your first one). Missing it costs a 25% excise tax, cut to 10% if corrected quickly. Roth IRAs have no RMDs for the owner.
Show the working
500,000 ÷ 24.6 = 20,325
Next 10 years
| Age | Balance | Divisor | RMD |
|---|---|---|---|
| 75 | 500,000 | 24.6 | 20,325 |
| 76 | 503,659 | 23.7 | 21,251 |
| 77 | 506,527 | 22.9 | 22,119 |
| 78 | 508,629 | 22 | 23,119 |
| 79 | 509,785 | 21.1 | 24,160 |
| 80 | 509,906 | 20.2 | 25,243 |
| 81 | 508,896 | 19.4 | 26,232 |
| 82 | 506,797 | 18.5 | 27,394 |
| 83 | 503,373 | 17.7 | 28,439 |
| 84 | 498,681 | 16.8 | 29,683 |
Questions people ask
When do RMDs start?
At 73 if you were born 1951 to 1959, and 75 if born 1960 or later (SECURE 2.0). Your first RMD can wait until April 1 of the next year.
How is the RMD worked out?
Last December 31 balance ÷ the IRS Uniform Lifetime Table divisor for your age. At 75 the divisor is 24.6.
What if I miss it?
A 25% excise tax on the shortfall, cut to 10% if corrected within two years. Roth IRAs have no RMDs for the owner.
Updated 22 Oct 2026Source: IRS Publication 590-B, Uniform Lifetime TableChecked by AotobUniform Lifetime Table; spouse more than 10 years younger uses a different table.Report an issue