Business documents

One engine, eight documents, all with your logo.

QuotationInvoicePayment receiptDelivery challanPurchase orderPayment voucherRent receiptGate pass
Accounting & finance

Shop billing, daily closing, statements of account and end-of-service gratuity.

Shop billingDaily closing and trial balanceStatement of accountGratuity calculatorNew
Islamic tools

Receipts, fee vouchers, timetables and registers, plus estate, qaza and Hajj and Umrah calculators.

Donation receiptMadrasa fee voucherPrayer timetableDistribution registerEstate settlement calculatorQaza namaz calculatorHajj & Umrah cost calculatorNew
US tools

Retirement-tax and Medicare calculators, overtime and the overtime deduction, and military time.

RMD calculatorNewOvertime calculatorNewMilitary time converterNewIRMAA calculatorNewSocial Security taxable benefits calculatorNewBackdoor Roth pro-rata calculatorNew
Guides

Plain-language explainers on gratuity, Umrah and Hajj costs.

What a Pakistan sales tax invoice must containDaily cash book and trial balance basicsShop counter: billing, stock and udhaarHow UAE gratuity worksQatar gratuity explainedRealistic Umrah cost from PakistanMasjid and madrasa record keepingAll guides →
US tax & time tools

RMD calculator

Uses the IRS Publication 590-B tables for owners and beneficiaries, handles the 73 and 75 starting ages by birth year, and lays out an inherited IRA year by year on a printable worksheet.

In short

A required minimum distribution is the least you must withdraw each year from a traditional IRA or 401(k) once you reach your starting age. Divide your balance on December 31 of the previous year by the IRS divisor for your age. At 73 the divisor is 26.5, so a $500,000 balance requires $18,867.92.

  • IRS Pub. 590-B tables
  • Inherited IRA schedule
  • Worksheet
  • PNG image
  • Runs in your browser

Private by design. Nothing you type is uploaded or saved. Add this tool to your phone or computer for one-tap access.

What do you need?

Your account

One IRA, 401(k) or 403(b) at a time.

Growth is for the projection only. It never changes this year’s RMD.

Enter your four-digit birth year (1900 to 2026). Enter your balance on December 31 of the previous year.

An estimate from IRS tables. It does not read your statement or your plan’s rules, and it is not tax advice. Spouse more than 10 years younger (Table II), a minor child, an estate or charity, and a spouse who treats the IRA as their own are not calculated. Confirm your figure with your custodian or a tax professional.

RMD worksheet
United States · IRS Publication 590-B
Estimate
—

Enter your four-digit birth year (1900 to 2026).

An estimate worked out from the figures entered. It is not tax advice and cannot replace a custodian’s calculation or a Form 1099-R.

How to use it

  1. Choose “My own RMD” or “Inherited IRA”.
  2. For your own RMD, enter your birth year, the year the RMD is for and your balance on December 31 of the previous year.
  3. For an inherited IRA, enter the year the owner died, whether they had reached their required beginning date, the beneficiary type and birth year, and the balance.
  4. Add a growth rate if you want a projection. It never changes the current year’s figure.
  5. Read the worksheet on the right, then copy the summary or download it as an image.

How it calculates

Your RMD is the balance on December 31 of the previous year divided by an IRS distribution period. Owners use the Uniform Lifetime Table; beneficiaries use the Single Life Expectancy Table, reduced by one for each later year, with a surviving spouse’s factor looked up again each year. The growth rate you enter only projects later years and never changes the current year’s RMD.

For example, an owner born in 1953 turns 73 in 2026, so the divisor is 26.5. With $500,000 on December 31, 2025, the RMD is $500,000 ÷ 26.5 = $18,867.92, due by April 1, 2027 for this first year or December 31, 2026. For an inherited IRA, if the owner died in 2024 at 80 after the required beginning date and the beneficiary, born in 1975, holds $300,000 at the end of 2025, the 2026 divisor is 35.2, the longer of the two life expectancies, so the distribution is $8,522.73. The people and balances are made up; yours come from what you type.

Who should use it

  • IRA, 401(k) and 403(b) owners who want to check the amount their custodian calculated
  • Beneficiaries of an inherited IRA who need to see the 10-year rule year by year
  • Anyone planning withdrawals who wants to see how the RMD grows as the divisor shrinks

Who should not use this

  • Owners whose spouse is the only beneficiary and is more than 10 years younger; the IRS uses a different table (Table II) that this tool does not include
  • Beneficiaries who are an owner’s minor child, an estate, a charity or a trust, which follow different timetables
  • Anyone who needs the exact figure to file or to avoid a penalty; confirm it with your custodian or a tax professional

Limitations

  • It does not model a surviving spouse treating the IRA as their own, or the specific rules for inherited Roth accounts.
  • It calculates one account at a time. IRAs can be totalled and withdrawn from any one of them, but a 401(k) is satisfied plan by plan.
  • Born in 1959, the IRS final regulations do not say whether the starting age is 73 or 75. The tool uses 73 and warns you.
  • Your plan may use its own distribution calendar, and a year-end balance can be adjusted in situations Publication 590-B describes.
  • Nothing is uploaded or stored on a server. Clearing your browser data also removes the saved profile.

Sources and review

Reviewed on 18 Oct 2026 against the published sources below. Rules and prices change, so check the current position before you rely on a figure.

Common questions

What is the RMD factor for someone who turns 73 in 2026?
The Uniform Lifetime Table divisor for age 73 is 26.5. Someone who turns 73 in 2026 was born in 1953 and uses their December 31, 2025 balance. Each $100,000 of balance produces an RMD of $3,773.58, and the first RMD may be delayed until April 1, 2027.
What is the 10-year RMD rule for inherited IRAs?
Most non-spouse beneficiaries must empty an inherited IRA by December 31 of the year containing the 10th anniversary of the owner’s death. If the owner died before the required beginning date, no yearly payment is due before year ten. If the owner died on or after it, yearly RMDs continue in years one to nine and the balance must still be gone by the end of year ten.
What are the new RMD rules for 2026?
No single new rule begins in 2026. The IRS final regulations apply to RMDs for calendar years beginning on or after January 1, 2025. The starting age is 73 for people born from 1951 through 1958 and 75 for people born in 1960 or later. Roth IRAs and designated Roth accounts have no RMDs during the owner’s lifetime.
How much do I have to withdraw from my IRA at age 73?
Divide your December 31 balance from the previous year by 26.5. For a $250,000 balance that is $9,433.96, and for $1 million it is $37,735.85.
What is the penalty for missing an RMD?
The IRS charges a 25% excise tax on the amount you should have withdrawn but did not. The rate falls to 10% if you correct the shortfall within two years, according to the IRS comparison chart. On a missed $10,000 that is $2,500, or $1,000 if corrected in time.
Can I take my RMD from just one account?
For traditional IRAs you calculate the RMD for each, add them together and may withdraw the total from any one or more of them. A 401(k) RMD is satisfied plan by plan, and 403(b) RMDs may be totalled across 403(b) accounts. An IRA withdrawal does not satisfy a 401(k) RMD.
Do qualified charitable distributions count toward my RMD?
Yes. A qualified charitable distribution from an IRA counts toward your RMD, as Publication 590-B explains. Check the conditions in that publication before relying on one.

Guides that explain the rules

Inherited IRA 10-year rule

Related tools

IRMAA calculatorSocial Security taxable benefits calculatorBackdoor Roth pro-rata calculator

This tool produces a document from the information you type. It does not give legal, tax or accounting advice, and it does not check that your figures or rates are right. See the disclaimer. Found a mistake? Report an error in a calculation.