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RMD Calculator 2026
Estimate a standard 2026 RMD from a prior year-end balance and your age.
Use the calculator ↓Adjust the assumptions
RMD Calculator 2026
Estimate a standard 2026 RMD from a prior year-end balance and your age.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
|---|
Questions answered
What this calculator helps you work out
- How do I calculate my RMD for 2026?
- What prior-year balance is used for an RMD?
- Which life-expectancy divisor applies to my age?
Common questions
RMD Calculator 2026 FAQs
What balance is used for a 2026 RMD?＋
For most accounts, use the account balance at the close of business on 31 December 2025.
Can I combine RMDs?＋
Aggregation rules vary by account type. Confirm the IRS guidance or a tax professional before taking a distribution from a different account.
Does this apply to inherited accounts?＋
Inherited retirement accounts may use different timing and life-expectancy rules. This calculator is not designed for inherited-account RMDs.
Go beyond the result
How to Calculate Your RMD for 2026
See a worked example, the trade-offs to consider and the assumptions that can change the answer.