2026 planning tool · IRS Table III

Know the minimum.
Plan the rest.

Estimate your annual required minimum distribution from a traditional IRA or most retirement accounts using the current IRS Uniform Lifetime Table.

Your details

TWO NUMBERS
$
For multiple IRAs, calculate each account separately. IRA RMDs may generally be aggregated when withdrawn; workplace-plan RMDs generally may not.
Uses the IRS Uniform Lifetime Table

Table III is generally for unmarried owners and married owners whose spouse is not both the sole beneficiary and more than 10 years younger. The table took effect in 2022 and appears in IRS Publication 590-B (2025).

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Turn the table into one number.

Your RMD is the prior year-end balance divided by the IRS distribution period for your age.

What an RMD is

A required minimum distribution is the smallest amount federal tax rules generally require you to withdraw from certain tax-deferred retirement accounts each year after you reach the applicable starting age. The withdrawal is usually taxable income.

When this estimate does not fit

  • Your spouse is your sole beneficiary and more than 10 years younger.
  • You are calculating an inherited-account distribution.
  • You are using a Roth IRA, or a designated Roth workplace account while the owner is alive.
  • Your current-employer plan allows a still-working delay.

Last reviewed: October 2026.