Can I take all my RMDs from a single account?

Only within the same statutory aggregation group. Traditional, SEP, and SIMPLE IRAs share one pool — pull the IRA-pool total from any one of those accounts. 403(b) plans share their own pool. 401(k) and QRP plans must each have their RMD taken from that specific plan; never aggregable. Inherited IRAs aggregate only with other inherited IRAs from the same decedent and same type. The calculator applies these rules automatically.

What's the penalty if I miss an RMD?

Under IRC §4974, the excise tax is 25% of the shortfall (reduced from 50% by SECURE 2.0). It drops to 10% if you correct the shortfall within two years and file Form 5329 Part IX. The IRS will often waive the penalty entirely if you provide reasonable cause and evidence of correction.

Which life-expectancy table applies to my account?

Owners use the Uniform Lifetime Table (Pub 590-B Appendix B) by default. The Joint Life and Last Survivor table (Appendix D) applies only when the owner's sole beneficiary is a spouse more than 10 years younger. Beneficiaries of inherited accounts use the Single Life Table (Appendix C).

When did SECURE 2.0 change RMD ages?

SECURE 2.0 §107 set Required Beginning Date age 73 for those born 1951-1959 and age 75 for those born 1960 or later. People born in 1950 or earlier remain at RBD age 72. The first RMD year is the year you reach RBD age.

YMYL · pending CFP® reviewer

One RMD calculator for every account you hold — with the aggregation rules that decide which can share a withdrawal.

Trad IRAs, 403(b)s, 401(k)s, inherited IRAs — each follows a different rule for how distributions can be combined. Get the per-account number, the group total, and a citation pin you can verify against IRS Pub 590-B.

Run the calculator Read the aggregation rules

Math implements Treas. Reg. §1.401(a)(9)-9 tables; cross-validation against IRS Pub 590-B examples is operator-gated.Sources linked to irs.gov, ecfr.gov, law.cornell.edu

Multi-account RMD calculator

Aggregation engine, table-aware

Your accounts

5 accounts · balances as of Dec 31 (prior year)

agg: IRA pool

Account type

Balance · 12/31 prior

Owner age (year-end)

agg: IRA pool

Account type

Balance · 12/31 prior

Owner age (year-end)

agg: 403(b) pool

Account type

Balance · 12/31 prior

Owner age (year-end)

agg: separate

Account type

Balance · 12/31 prior

Owner age (year-end)

Roth 401(k) (exempt 2024+)Still working at sponsor

agg: same-decedent only

Account type

Balance · 12/31 prior

Beneficiary age

Decedent (for aggregation)

EDB classification

No data leaves your browser. Methodology →

RMD output · 2026 tax year

Total required across all accounts

$45,610.45

Sum of 4 aggregation groups · 4 withdrawals required by Dec 31, 2026IRC §401(a)(9)

Group 1 · pull from any one or several

Traditional / SEP / SIMPLE IRA pool

$23,498.83

Vanguard Trad IRA$412,800.00 ÷ 25.5$16,188.24

Fidelity SEP IRA$186,420.00 ÷ 25.5$7,310.59

26 CFR §1.401(a)(9)-9(c)Table: Uniform Lifetime · Pub 590-B App. B

Group 2 · pull from any one or several

403(b) pool

$3,696.08

T. Rowe Price 403(b)$94,250.00 ÷ 25.5$3,696.08

26 CFR §1.401(a)(9)-9(c)Table: Uniform Lifetime · Pub 590-B App. B

Group 3 · must be taken from this plan

401(k) — Schwab 401(k) — old job

$8,941.18

Schwab 401(k) — old job$228,000.00 ÷ 25.5$8,941.18

26 CFR §1.401(a)(9)-9(c)Table: Uniform Lifetime · Pub 590-B App. B

Group 4 · pull from any one or several

Inherited IRA — Mom (d. 2021)

$9,474.36

Inherited IRA — from Mom$147,800.00 ÷ 15.6$9,474.36

26 CFR §1.408-8 Q-9Table: Single Life · Pub 590-B App. C

Live formula

RMD = Balance (12/31 prior yr) ÷ Distribution period

Distribution period is read from the table that applies to the account type and your relationship to the account.

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Have multiple accounts? RMDAcross is in the process of partnering with a fiduciary advisor program for users with $100K+ in retirement assets. Affiliate signup is pending approval — no live partner link yet.

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Informational, not tax advice. Required Minimum Distribution rules involve facts unique to your accounts; consult a CFP® or CPA before acting. RMDAcross may earn a referral fee from sponsors linked on this page — this does not affect our analysis. How we research →

Last verified: May 6, 2026 · Pub 590-B post-2022 (TD 9930) divisors.

Pillars

The reference, organized by what you came here to figure out

Uniform Lifetime

Pub 590-B App. B · age 72-120

Single Life

Pub 590-B App. C · beneficiary

Joint Life

App. D · spouse 10+ yrs younger

Aggregation rules

Which accounts share withdrawals

First-RMD deferral

April 1 of year after RBD age

Missed RMD

Form 5329 · 25% / 10% excise

QCD offset

Charitable RMD offset

SECURE 2.0

RBD ages, Roth 401(k) exemption

Per account type

Aggregation status, table, and statute pin for the nine types we cover

Account	Aggregable with	Table	Statute pin
Traditional IRA	Trad / SEP / SIMPLE IRAs	Uniform Lifetime	§1.408-8 Q-9
SEP IRA	Treated as Trad IRA — IRA pool	Uniform Lifetime	§1.408-8 Q-9
SIMPLE IRA	Treated as Trad IRA — IRA pool	Uniform Lifetime	§1.408-8 Q-9
403(b)	Other 403(b) plans only	Uniform Lifetime	§1.403(b)-6(e)(7)
401(k)	None — separate per plan	Uniform Lifetime	§1.401(a)(9)-8 A-1
QRP (DB / profit-sharing)	None — separate per plan	Uniform Lifetime	§1.401(a)(9)-8 A-1
Inherited IRA	Same decedent + same type only	Single Life	§1.408-8 Q-9
Inherited Roth IRA	Same decedent + same type only	Single Life	§1.408A-6 Q-15
Roth IRA (owner)	Exempt during owner's lifetime	—	§408A(c)(5)

A calm lake at dawn under soft warm light

Knowable, not stressful.

RMDs feel daunting, but the rules are fixed and the math is simple division: prior year-end balance divided by an IRS distribution period. We show every number, name the table behind it, and pin the statute — so you can verify it yourself, calmly, before the December 31 deadline.

Run the calculator

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Deadlines · 2026 tax year

Standard deadline and the first-RMD deferral edge case

STANDARD

Dec 31, 2026

Annual RMD deadline for every year after your first RMD.

Treas. Reg. §1.401(a)(9)-2

FIRST-RMD ONLY

Apr 1, 2027

Required Beginning Date — but deferring means two RMDs in 2027.

IRC §401(a)(9)(C)

Methodology

Calculator math + verification gate

The engine implements the formulas in Treas. Reg. §1.401(a)(9)-9 directly: prior-year-end balance ÷ distribution period, with statutory aggregation grouping per §1.408-8 Q-9, §1.403(b)-6(e)(7), and §1.401(a)(9)-8 A-1. Cross-validation against IRS Pub 590-B Appendix B/C/D worked examples is the operator-gated activation step before apex-domain launch.

Read the methodology →