How to Calculate RMDs in 2026: Rules, Tables, Tips

Описание: CONNECT WITH A VETTED FINANCIAL ADVISOR HERE: https://smartasset.com/retirement/fin...

Required minimum distributions can reshape your tax bill. Learn how to calculate RMDs step-by-step using IRS life expectancy tables and the smart ways to manage timing and taxes.

In this video, we'll explain what an RMD is, current RMD ages (73 or 75), which accounts require RMDs (traditional IRA, 401(k), 403(b), SEP, SIMPLE), and how to use the Uniform Lifetime Table, Joint and Last Survivor Table, and Single Life Expectancy Table.

You’ll see clear examples (e.g., $100,000 at age 78, factor 22 ≈ $4,545), aggregation rules for multiple accounts, first-year and December 31 deadlines, the still-working exception, and inherited IRA basics.

We also cover penalties for missed RMDs and practical planning ideas like Roth conversions, qualified charitable distributions (QCDs), and QLACs—plus a quick checklist to stay organized.

Whether you’re coordinating multiple IRAs or employer plans, you’ll get an actionable process to avoid surprises and align withdrawals with your broader retirement plan.

Chapters:
00:00 – How to Calculate Required Minimum Distribution (RMD)
00:21 – Overview
00:52 – What is an RMD and When do they Start?
01:35 – The Step-by-step RMD Calculation
02:52 – Picking the Right Table: Why it Matters
03:25 – Multiple Accounts: Aggregation Do's and Dont's
03:57 – Deadlines, First-year Timing and The Still-working Exception
04:37 – Inherited Accounts: High-level Rules
05:17 – Penalties and how to Fix a Shortfall
05:43 – Planning Ideas That May Help Manage RMDs and Taxes
06:51 – Quick Checkilist to stay Organized
07:40 – Conclusion and Summary
08:02 – Connect with a Vetted Financial Advisor

Resources:
• Calculate your RMD: https://smartasset.com/retirement/how...

• Find a vetted financial advisor: https://smartasset.com/retirement/fin...

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Tags:
required minimum distributions, RMD calculation, how to calculate RMD, IRS life expectancy tables, RMD rules 2026, RMD age 73, RMD age 75, Uniform Lifetime Table, Joint and Last Survivor Table, inherited IRA rules, QCD qualified charitable distribution, Roth conversions RMD, QLAC RMD planning, IRA RMD, 401k RMD, retirement withdrawals, retirement tax planning, SmartAsset

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