One RMD worksheet for all your IRAs, 401(k)s and 403(b)s
List every retirement account with its December 31, 2025 balance. Rmdtally works out each 2026 RMD, groups the ones you can combine and shows what is still due by December 31.
The rule
Your RMD for 2026 is each account's December 31, 2025 balance ÷ the IRS divisor for your age at the end of 2026 (Pub. 590-B, Table III for your own accounts). RMDs start the year you turn 73 if you were born 1951–1959, or 75 if born 1960 or later (IRS RMD FAQs). You can add up your IRA RMDs and take the total from any IRA; the same goes for 403(b)s, but each 401(k) or 457(b) pays its own.
Worked example
The app's sample is a fictional retiree born in 1952, so 74 at the end of 2026, with 9 accounts worth $1,419,250 on December 31, 2025. The Uniform Lifetime divisor at 74 is 25.5, so the three IRAs ($734,800) need $28,816 between them, from any one or more of them. After $6,000 withdrawn and a $5,000 QCD, $17,816 is left. The inherited IRA from a mother who died in 2022 uses the Single Life table: 18.0 at the beneficiary's age 71 in 2023, minus 3, gives 15.0 and $9,587. In total $49,565 is due for 2026 and $37,365 is still to take.
Your balances stay on your computer
Rmdtally reads your account list with JavaScript in this browser tab. Nothing is uploaded, and closing the tab clears it.
How it works
- List your accounts in the template (or any CSV or Excel sheet) with each December 31, 2025 balance from your year-end statements, and drop it here — or try the sample.
- Type your birth year, then read each account's 2026 RMD, what's still to take per group and every check.
- Compare with your custodians' figures and take what's left before December 31.
FAQ
What does Rmdtally do?
It reads a list of your retirement accounts and works out each one's 2026 required minimum distribution with the IRS life-expectancy tables, groups them the way the IRS lets you combine them, subtracts what you've taken and your QCDs, and shows what's still due by December 31, 2026.
Which accounts have RMDs?
Traditional, rollover, SEP and SIMPLE IRAs, 401(k), 403(b), 457(b) and other employer plans once you reach your RMD age (73 if born 1951–1959, 75 if born 1960 or later), and most inherited accounts. Roth IRAs have none for the owner, and Roth 401(k)/403(b) accounts have none from 2024.
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Accounts and balances aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What's free?
Importing any number of accounts, the 2026 RMD total, the groups, what's still to take, every check, the first 5 accounts and the first 3 years of the estimate on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and both CSVs.
How is the RMD worked out?
December 31, 2025 balance ÷ the divisor for your age in 2026 from the Uniform Lifetime table (Pub. 590-B Table III). Inherited accounts use the Single Life table (Table I) for the beneficiary's age in the year after death, minus one for each year since, or the 10-year rule. If the owner died in 2026 after starting RMDs, whatever part of the owner's 2026 RMD they had not taken must still come out by December 31 (Pub. 590-B).
What isn't covered?
The Joint and Last Survivor table (spouse more than 10 years younger and sole beneficiary), annuitized accounts, 403(b) pre-1987 balances, trusts as beneficiaries and state taxes. Your custodian's figure and a tax professional come first.
Is this tax advice?
No. Rmdtally applies the IRS tables it describes to the numbers you provide. It is a worksheet to check against your custodians' figures.