2026 withdrawal instrument panel
RMD Calculator — see every year, not just this one.
Your RMD in ten seconds. Your next twenty years in one view. Free, private — nothing you type leaves your browser.
2026 required minimum distribution
$20,325.20
Your 2026 RMD, using the IRS Uniform Lifetime Table.
Age 75 → factor 24.6 — IRS Pub 590-B, Uniform Lifetime Table (Table III).
Prior-year-end balance ÷ distribution factor. Source: IRS Publication 590-B.
Modelling note
Spouse more than 10 years younger and sole beneficiary? Your actual RMD may be lower. This estimate uses the Uniform Lifetime Table.
Educational estimate, not tax advice. Verify with a qualified tax professional.
2026 RMD · age 75
$20,325.20
IRS Table III factor 24.6.
Educational estimate, not tax advice. Verify with a qualified tax professional.
Why you can trust these numbers
Private
- All calculations run in your browser. Balances and ages are never transmitted or stored — there is no account, login, or email wall.
Sourced
- RMD Compass computes RMDs using all 49 age factors of the IRS Uniform Lifetime Table in effect since 2022 (Pub 590-B, Table III), and shows the factor used for every result.
- Every figure carries its IRS source citation inline; the constants file with source URLs is published on the methodology page.
- Unit tests reproduce IRS Publication 590-B worked examples to the cent; the test cases are listed publicly.
Multi-year
- The planner displays 2026 IRMAA MAGI thresholds next to your projected income for every year of your plan, so Roth conversions can be sized under the next Medicare surcharge cliff.
- Multi-year view models RMDs and Roth conversions together on one timeline through age 100+.
Plain-language answers
RMD questions
When do I have to take my first RMD?
Your first RMD is generally due for the year you reach your applicable age: 73 for people born 1951–1959 and 75 for people born in 1960 or later. You may delay that first payment until April 1 of the next year, but doing so can put two RMDs in one tax year. Source: IRS retirement topics — RMDs.
What happens if I miss an RMD?
The excise tax is generally 25% of the amount not taken. It can fall to 10% when the shortfall is corrected within the applicable correction window, so document the correction and consult a tax professional promptly. Source: IRS retirement topics — RMDs.
Do Roth IRAs have RMDs?
A Roth IRA has no lifetime RMD for its original owner. Designated Roth accounts in 401(k) and 403(b) plans have also been exempt from pre-death RMDs since the 2024 tax year, though beneficiary rules still apply after death. Source: IRS retirement topics — RMDs.
Can I convert my RMD to a Roth?
No. The full RMD must be satisfied first because an RMD is not eligible for rollover or Roth conversion. Only additional eligible dollars can be converted afterward. Source: IRS Publication 590-A.
What is IRMAA and why does my 2026 income matter in 2028?
IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums. Social Security generally uses tax-return MAGI from two years earlier, so a threshold crossed with 2026 income can affect 2028 Medicare premiums. Source: Social Security — IRMAA.
Is my data stored?
No. Every calculation runs in your browser. This site has no account, login, email form, or server-side storage for what you enter. Source: RMD Compass methodology.
Educational estimate, not tax advice. Verify with a qualified tax professional.