RMD Worksheet: 2026 Edition
Once you reach your RMD age, the IRS expects a minimum withdrawal from most traditional IRAs and workplace plans every year, and the penalty for coming up short can be steep. This free spreadsheet and printable worksheet uses the IRS method. Enter your birth date and each account's December 31 balance. It finds your RMD starting age (73, or 75 if you were born in 1960 or later), picks your factor from the IRS Uniform Lifetime Table, and works out each account's estimated RMD. It groups them the way the IRS lets you take them: IRAs can be combined, while each 401(k) is on its own. Log your withdrawals and qualified charitable distributions (QCDs) as you go, and it shows what's left to take and the deadline: December 31, or April 1 of the next year for your first RMD.
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What's included
- Spreadsheet (
rmd-worksheet-2026.xlsx) — works in Microsoft Excel and Google Sheets. No macros. - Start Here — setup steps, color key, RMDs in plain English (which accounts, IRA vs. 401(k) aggregation, Roth, still-working delay, Table II exception, inherited accounts, QCDs), deadlines, the excise-tax note, next-year steps, and sources.
- RMD Worksheet — profile (RMD year, birth date, spouse-more-than-10-years-younger flag) with automatic age, RMD starting age, first RMD year, status and deadline text, and Uniform Lifetime factor; up to 12 account rows; “what's left to take” by IRS group.
- Withdrawal Log — dated rows for withdrawals and QCDs, with tax withheld and notes.
- Tables — IRS Table III (Uniform Lifetime), the RMD-age-by-birth-date table, and the account-type list.
- Worked example — fictional “Pat,” born in 1952, with two IRAs, a 401(k), and a Roth, plus sample withdrawals.
- IRS Examples Check — reproduces printed Pub. 590-B examples so you can see the method matches.
- Printable PDF companion (3 letter-size pages) — one-page guide, blank fill-in worksheet with withdrawal log, Uniform Lifetime Table, worked example, and sources.
The rules it follows
- Formula: account balance at Dec 31 of the prior year ÷ the Uniform Lifetime factor for your age in the RMD year.
- RMD age by birth date: 73 if born 1951–1959; 75 if born in 1960 or later (with earlier ages for older birth years).
- Deadlines: first RMD by April 1 of the year after you reach RMD age; later RMDs by December 31.
- Aggregation: IRAs can be totaled and taken from any IRA; each 401(k)/similar plan is generally on its own.
- Roth: no lifetime RMDs for Roth IRAs or designated Roth accounts in workplace plans.
Sources: IRS Publication 590-B; IRS, Retirement topics – RMDs. Related free tools: Retirement Budget · Medicare Costs Tracker.
Disclaimer. RetireTally is an independent publisher and is not affiliated with, endorsed by, or connected to the Internal Revenue Service (IRS), the U.S. Treasury Department, the Social Security Administration (SSA), or any government agency. The RMD Worksheet is for general information and personal record-keeping only. It is not tax, legal, investment, or financial advice. Results are estimates based on what you enter and the IRS's published tables. RMD rules have exceptions and special cases the worksheet doesn't cover (for example inherited accounts, annuitized accounts, pre-1987 403(b) amounts, outstanding rollovers, 5% owners, and plan-specific terms). Your IRA custodian or plan administrator and the IRS rules determine what you're required to take. Confirm with them or a qualified tax professional. Qualified charitable distributions and other exceptions have their own requirements.
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