Required minimum distributions for your 401(k)
Enter your birth year and 401(k) balance to get an instant estimate. Note: unlike IRAs, 401(k) RMDs generally must be withdrawn from each plan separately.
This calculator provides an educational estimate only and is not tax, legal, or financial advice. It uses the IRS Uniform Lifetime Table (unchanged since 2022) and current SECURE 2.0 age rules. Your actual RMD may differ based on your specific accounts and beneficiary designations — consult a licensed tax or financial professional. Table data as of August 2026.
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401(k) plans are subject to the same IRS required minimum distribution rules as traditional IRAs, using the Uniform Lifetime Table to determine your annual withdrawal amount. However, unlike IRAs, 401(k) RMDs generally cannot be aggregated — if you have multiple 401(k) accounts, you must calculate and withdraw the RMD from each plan separately.
If you're still working past your RMD age for the same employer that sponsors your 401(k), and you don't own more than 5% of the company, you may qualify for the "still-working exception," which can delay RMDs from that specific plan until you retire.
Unlike IRAs, 401(k)s aren't eligible for Qualified Charitable Distributions (QCDs) directly. If you're charitably inclined, rolling part of your 401(k) into an IRA first can open up that option — letting you send up to $111,000 in 2026 straight to a qualified charity without it counting as taxable income.
Yes. Traditional 401(k) accounts are subject to RMDs starting at age 73 or 75, depending on your birth year, under the SECURE 2.0 Act.
The calculation method is the same, but 401(k) RMDs generally cannot be combined across multiple plans — each 401(k) requires its own separate withdrawal.
Generally no. Unlike IRAs, each 401(k) plan's RMD must be calculated and withdrawn from that specific plan.
If you're still employed past your RMD age by the company sponsoring your 401(k) and own 5% or less of the business, you may be able to delay RMDs from that plan until you retire.
Not directly — QCDs apply to IRAs, not 401(k)s. However, if you roll part of your 401(k) into an IRA, you could then use a QCD to send up to $111,000 in 2026 directly to a qualified charity from that IRA, without it counting as taxable income.