2026 withdrawal instrument panel
RMD Calculator — see every year, not just this one.
Your RMD in ten seconds. Your next twenty years in one view. Free, private — nothing you type leaves your browser.
2026 required minimum distribution
$20,325.20
Your 2026 RMD, using the IRS Uniform Lifetime Table.
Age 75 → factor 24.6 — IRS Pub 590-B, Uniform Lifetime Table (Table III).
Prior-year-end balance ÷ distribution factor. Source: IRS Publication 590-B.
Educational estimate, not tax advice. Verify with a qualified tax professional.
2026 RMD · age 75
$20,325.20
IRS Table III factor 24.6.
Educational estimate, not tax advice. Verify with a qualified tax professional.
What this planner proves as it calculates
- RMD Compass computes RMDs using all 49 age factors of the IRS Uniform Lifetime Table in effect since 2022 (Pub 590-B, Table III), and shows the factor used for every result.
- All calculations run in your browser. Balances and ages are never transmitted or stored — there is no account, login, or email wall.
- The planner displays 2026 IRMAA MAGI thresholds next to your projected income for every year of your plan, so Roth conversions can be sized under the next Medicare surcharge cliff.
- Multi-year view models RMDs and Roth conversions together on one timeline through age 100+.
- Every figure carries its IRS source citation inline; the constants file with source URLs is published on the methodology page.
- Unit tests reproduce IRS Publication 590-B worked examples to the cent; the test cases are listed publicly.
Plain-language answers
RMD questions
When do I have to take my first RMD?
Your first RMD is generally due for the year you reach your applicable age: 73 for people born 1951–1959 and 75 for people born in 1960 or later. You may delay that first payment until April 1 of the next year, but doing so can put two RMDs in one tax year. Source: IRS retirement topics — RMDs.
What happens if I miss an RMD?
The excise tax is generally 25% of the amount not taken. It can fall to 10% when the shortfall is corrected within the applicable correction window, so document the correction and consult a tax professional promptly. Source: IRS retirement topics — RMDs.
Do Roth IRAs have RMDs?
A Roth IRA has no lifetime RMD for its original owner. Designated Roth accounts in 401(k) and 403(b) plans have also been exempt from pre-death RMDs since the 2024 tax year, though beneficiary rules still apply after death. Source: IRS retirement topics — RMDs.
Can I convert my RMD to a Roth?
No. The full RMD must be satisfied first because an RMD is not eligible for rollover or Roth conversion. Only additional eligible dollars can be converted afterward. Source: IRS Publication 590-A.
What is IRMAA and why does my 2026 income matter in 2028?
IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums. Social Security generally uses tax-return MAGI from two years earlier, so a threshold crossed with 2026 income can affect 2028 Medicare premiums. Source: Social Security — IRMAA.
Is my data stored?
No. Every calculation runs in your browser. This site has no account, login, email form, or server-side storage for what you enter. Source: RMD Compass methodology.
Educational estimate, not tax advice. Verify with a qualified tax professional.