RMD calculator

Year you were born

Balance on December 31, 2025 ($)

Distribution year

Expected return (%)

Planned QCD this year ($)

My spouse is my sole beneficiary and more than 10 years younger

Your 2026 RMD$20,325.20$500,000 ÷ 24.6 (age 75)

DeadlineDecember 31, 2026Every year after the first

Share of the balance4.07%1 ÷ 24.6

Your RMD starting age73Born in 1951

Born in 1951, you are 75 in 2026, so the IRS divisor is 24.6. Your 2026 required minimum distribution from a $500,000 balance is $20,325.20, due by December 31, 2026.

Free RMD calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.