Can I withdraw more than my RMD?

Yes. The RMD is only the minimum. Anything extra is a regular taxable withdrawal, and it doesn't reduce next year's required amount.

Do I need to take an RMD from every account?

For IRAs, you can add up the RMDs for all of your IRAs and take the total from any one or more of them. Workplace plans such as 401(k)s generally require a separate RMD from each plan.

RMDs from pre-tax accounts count as ordinary income in the year you take them, so they can push you into a higher tax bracket and, two years later, raise your Medicare premiums.

Can Roth conversions lower my future RMDs?

Converting pre-tax savings to a Roth IRA before RMDs begin shrinks the balance future RMDs are based on. You pay income tax on each conversion, so how much you convert and when matters.

What happens if I miss an RMD?

The IRS charges an excise tax on the amount you should have withdrawn. Under SECURE 2.0 it is 25%, or 10% if you fix the shortfall within the IRS correction window.

Free calculator

RMD Calculator (SECURE 2.0)

Find out when your required minimum distributions (RMDs) start and estimate how much you’ll need to withdraw each year from traditional IRAs and pre-tax workplace plans. No sign-up needed.

Year you were born

Pre-tax balance on December 31, 2025

Your traditional IRAs combined, or one workplace plan.

Expected yearly growth (%)

Applies to future years only. At 0, the balance changes only by your RMDs.

Your RMDs start at

Age 73

Your RMDs started in 2024.

RMD for 2026

$20,325.20

$500,000.00 ÷ 24.6, the IRS factor for age 75.

Starts a free plan with your birth year and balance filled in. You confirm both before anything is saved.

Year-by-year estimate

Each year’s RMD and balance, by age

Balance on December 31 of the year before

Required minimum distribution

Estimated required minimum distributions by year
Year	Age	Balance on Dec 31 of prior year	IRS factor	RMD
2026	75	$500,000.00	24.6	$20,325.20
2027	76	$479,674.80	23.7	$20,239.44
2028	77	$459,435.36	22.9	$20,062.67
2029	78	$439,372.69	22.0	$19,971.48
2030	79	$419,401.21	21.1	$19,876.83
2031	80	$399,524.38	20.2	$19,778.43
2032	81	$379,745.95	19.4	$19,574.53
2033	82	$360,171.42	18.5	$19,468.72
2034	83	$340,702.70	17.7	$19,248.74
2035	84	$321,453.96	16.8	$19,134.16
2036	85	$302,319.80	16.0	$18,894.98
2037	86	$283,424.82	15.2	$18,646.36
2038	87	$264,778.46	14.4	$18,387.39
2039	88	$246,391.07	13.7	$17,984.74
2040	89	$228,406.33	12.9	$17,705.91
2041	90	$210,700.42	12.2	$17,270.52
2042	91	$193,429.90	11.5	$16,819.99
2043	92	$176,609.91	10.8	$16,352.76
2044	93	$160,257.15	10.1	$15,867.04
2045	94	$144,390.11	9.5	$15,198.95
2046	95	$129,191.16	8.9	$14,515.86
2047	96	$114,675.30	8.4	$13,651.82
2048	97	$101,023.48	7.8	$12,951.72
2049	98	$88,071.76	7.3	$12,064.62
2050	99	$76,007.14	6.8	$11,177.52
2051	100	$64,829.62	6.4	$10,129.62

Assumes each RMD is withdrawn, nothing else is added or taken out, and your spouse isn’t more than 10 years younger and your only beneficiary.

Start ages

When do RMDs start?

The SECURE 2.0 Act of 2022 raised the starting age, so it depends on the year you were born:

Born	RMDs start at
Before 1951	72
1951 to 1959	73
1960 or later	75

The formula

A man in his fifties at a writing desk, working through a statement with a fountain pen, a desk calendar beside him.

How your RMD is calculated

Each year’s RMD is your account balance on December 31 of the previous year divided by a life-expectancy factor from the IRS Uniform Lifetime Table for the age you reach that year. At age 75 the factor is 24.6, so a $500,000.00 balance means an RMD of $20,325.20. The factor gets smaller every year, so the share you must withdraw rises as you age.

Balance on Dec 31, 2025: $500,000.00
IRS factor at age 75: ÷ 24.6
This year’s RMD: $20,325.20

Accounts

A woman in her late forties lifting a folder out of an open filing cabinet drawer at home.

Which accounts have RMDs?

Traditional, SEP, and SIMPLE IRAs.
Pre-tax money in workplace plans such as 401(k) and 403(b) plans.
Not Roth IRAs while the original owner is alive, and, starting in 2024, not Roth accounts in workplace plans either.

Limits

What this calculator doesn’t cover

If your spouse is more than 10 years younger and is your only beneficiary, the IRS uses a different table that results in smaller RMDs.
Inherited IRAs follow separate rules.
If you’re still working, you may be able to delay RMDs from your current employer’s plan.
It estimates the required withdrawal only, not the income tax you’ll owe on it.

Questions

Frequently asked questions

Can I withdraw more than my RMD?: Yes. The RMD is only the minimum. Anything extra is a regular taxable withdrawal, and it doesn't reduce next year's required amount.
Do I need to take an RMD from every account?: For IRAs, you can add up the RMDs for all of your IRAs and take the total from any one or more of them. Workplace plans such as 401(k)s generally require a separate RMD from each plan.
How are RMDs taxed?: RMDs from pre-tax accounts count as ordinary income in the year you take them, so they can push you into a higher tax bracket and, two years later, raise your Medicare premiums.
Can Roth conversions lower my future RMDs?: Converting pre-tax savings to a Roth IRA before RMDs begin shrinks the balance future RMDs are based on. You pay income tax on each conversion, so how much you convert and when matters.
What happens if I miss an RMD?: The IRS charges an excise tax on the amount you should have withdrawn. Under SECURE 2.0 it is 25%, or 10% if you fix the shortfall within the IRS correction window.

See how RMDs fit into your whole retirement

Velafolio’s free planner builds RMDs into each year’s income and taxes, alongside Social Security, Roth conversions, and your spending.

Create your free plan