2026 RMD
$50,813
Estimated total required distribution for the current tax year.
Planning Tools
Calculator
RMD Calculator
Estimate the required minimum distribution for the current tax year, see what remains to withdraw, and review the deadline and table assumptions behind the estimate.
RetirementDistribution PlanningTax Timing
RMD Estimate
Current year
2026Uniform Lifetime
Estimated remaining RMD
$50,813
Based on $50,813 of estimated 2026 RMD and $0 already withdrawn.
Remaining
$50,813
Current-year RMD minus eligible withdrawals already entered.
Divisor
24.6
Life-expectancy factor used for the current-year calculation.
RMD View
Review the current-year estimate, future schedule, and assumptions.
Current-year calculation
- December 31, 2025 balance
- $1,250,000
- Divisor used
- 24.6
- Estimated RMD
- $50,813
- Already withdrawn
- -$0
- Remaining RMD
- $50,813
Deadline and balance
- Current-year RMD required
- Yes
- First RMD year
- 2024
- First RMD deadline
- April 1, 2025
- Projected year-end balance
- $1,259,146
How to use this tool
Use the estimate to coordinate the required withdrawal.
01
Start with the prior year-end balance
RMDs are based on the eligible account balance from December 31 of the prior year, not the balance held when the withdrawal is taken.
02
Confirm the age rule and table
The model applies the owner RMD age rule, then uses the Uniform Lifetime Table unless the spouse-beneficiary rule changes the calculation.
03
Treat the result as a deadline prompt
Use the remaining RMD, deadline note, table used, and future schedule to coordinate withdrawals before year-end action is taken.
About this model
An annual distribution estimate, not tax advice.
This calculator estimates an owner RMD for the current tax year, the amount remaining after eligible withdrawals, and how future balances may change under one return assumption.
The model uses current-year owner RMD start-age logic, prior-year balance mechanics, and IRS lifetime tables. It does not model inherited accounts, Roth IRA owner rules, still-working employer-plan exceptions, QCD reporting, penalties, aggregation strategy, or personalized tax advice.
Bring the required withdrawal into focus.
If the estimate changes the timing, source, or tax character of withdrawals, review the account-level rule, custodian data, tax reporting, and broader income plan with PeakStone.