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Missed 401(k) RMD tax 2026: $10,000 short = $2,500 (25%)

SECURE 2.0 excise tax on a missed 401(k) RMD: 25%, or 10% if corrected within two years.

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Excise tax (Form 5329)

$2,500.00

Rate

25%

Shortfall

$10,000.00

IRC 4974 / SECURE 2.0: 25% default, 10% if timely correction. Does not compute the RMD itself. Educational estimate, not tax advice.

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Missed 401(k) RMD tax

SECURE 2.0 cut the IRC 4974 excise tax on a missed RMD from 50% to 25%. If you withdraw the shortfall and correct the return within two years, the rate can be 10%. Report it on Form 5329.

Excise tax

Tax = missed RMD × 25% (or 10% if timely correction)

Example: $10,000 missed → $2,500 at 25%, or $1,000 at 10%.

This page does not compute the RMD amount. Educational estimate, not tax advice.

Related: 401(k) remaining room, paycheck take-home.