Calculator
RMD Calculator 2026
🧮 Calculate Your Required Minimum Distribution
IRS Reference
IRS Uniform Lifetime Table (Table III) — Distribution Periods
| Age | Distribution Period | RMD on $500K | RMD % |
|---|---|---|---|
| 73 | 26.5 | $18,867 | 3.8% |
| 74 | 25.5 | $19,607 | 3.9% |
| 75 | 24.6 | $20,325 | 4.1% |
| 76 | 23.7 | $21,097 | 4.2% |
| 77 | 22.9 | $21,834 | 4.4% |
| 78 | 22.0 | $22,727 | 4.5% |
| 79 | 21.1 | $23,696 | 4.7% |
| 80 | 20.2 | $24,752 | 5.0% |
| 81 | 19.4 | $25,773 | 5.2% |
| 82 | 18.5 | $27,027 | 5.4% |
| 83 | 17.7 | $28,248 | 5.6% |
| 84 | 16.8 | $29,761 | 6.0% |
| 85 | 16.0 | $31,250 | 6.2% |
| 86 | 15.2 | $32,894 | 6.6% |
| 87 | 14.4 | $34,722 | 6.9% |
| 88 | 13.7 | $36,496 | 7.3% |
| 89 | 12.9 | $38,759 | 7.8% |
| 90 | 12.2 | $40,983 | 8.2% |
Planning Strategy
Reduce Future RMDs with Roth Conversions
The best time to reduce RMDs is before they start. Strategic Roth conversions in the years between retirement (often 60–65) and RMD start age (73) can dramatically reduce future mandatory withdrawals:
Why Convert?
Converting Traditional IRA funds to Roth reduces your pre-tax balance, which reduces future RMDs. The converted amount is taxed in the conversion year — but at potentially lower rates than future forced distributions.
When to Convert?
Ideal window: age 60–72, when income is often lower than working years but before RMDs force withdrawals. Fill up your current tax bracket each year without going higher. The 0% long-term capital gains bracket is often accessible.
QCD Strategy
Age 70.5+: donate directly from your IRA to charity (Qualified Charitable Distribution). Up to $105,000/year counts toward your RMD and is excluded from income. Better than donating after-tax income if you're charitably inclined.
Plootus Models It
Connect your Traditional IRA to Plootus and we'll model the optimal Roth conversion amount for each year before 73 — showing the exact tax savings over your retirement lifetime.
Frequently Asked Questions
- IRS Publication 590-B: Distributions from Individual Retirement Arrangements (2025 version)
- IRS, Uniform Lifetime Table (Table III) — used for most IRA RMD calculations
- SECURE 2.0 Act (Consolidated Appropriations Act, 2023): RMD age changes
- IRS Notice 2022-53 (RMD waiver guidance)
- IRS, Qualified Charitable Distributions (QCDs) — Publication 590-B
- Plootus Research 2026
