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    2026 RMD Estimator

    A clearer view
    of your required withdrawal.

    Estimate the 2026 distribution for an eligible owner-held traditional IRA using the IRS Uniform Lifetime Table.

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    HomeResources2026 RMD Estimator

    Explore your assumptions

    Start with the right account and year.

    Adjust the example amounts and assumptions using the fields or sliders, then select Calculate. Your entries stay in this open page and are not sent or saved.

    Your starting point

    Example values are illustrative assumptions. Adjust them for your situation, then select Calculate.

    Range: 1,900 to 2,008 year.
    Use the custodian-confirmed balance, including required adjustments.
    Include only amounts credited toward this requirement. Exclude a delayed 2025 RMD and rollovers.

    Enter all required inputs to see your illustration.

    How this calculation works

    This fixed-year estimator uses your age on December 31, 2026 and the IRS Uniform Lifetime Table (Table III). For a supported owner age 73 or older, the adjusted December 31, 2025 IRA balance is divided by the table factor. The estimated annual amount is rounded up to the nearest cent; credited gross distributions are then subtracted, with the remainder floored at zero.

    This covers one owner-held traditional, SEP or SIMPLE IRA and only 2026. It does not calculate inherited accounts, employer plans, annuity adjustments, beneficiary changes or the Joint and Last Survivor Table. Do not use it for later tax years. Confirm balances, permitted aggregation and credited payments with the custodian.

    It estimates a gross required distribution, not its tax or withholding. Prior-year obligations, penalties and special relief are excluded. Source and table checked September 30, 2026: IRS Publication 590-B, Appendix B, Table III. Inherited accounts use separate IRS rules.

    Model 1.1.0 · September 30, 2026

    Scenario inputs

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    Provided by United Advisors America, an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. This illustration is hypothetical and educational, not a recommendation. See Form ADV and Form CRS at adviserinfo.sec.gov.