Required Minimum Distribution (RMD) Hub
The IRS requires annual withdrawals from traditional IRAs, 401(k)s, and most other retirement accounts once you reach the RMD starting age. Find age-specific distribution factors, year-by-year rule history, account-type guides, and planning strategies below.
IRS Uniform Lifetime Table — Ages 72–91
Distribution factors effective since January 1, 2022 (SECURE 2.0 / updated life expectancy tables).
| Age | Distribution Period | % of Balance | RMD on $500K | RMD on $1M | Guide |
|---|---|---|---|---|---|
| 72 | 27.4 yrs | 3.6% | $18,248 | $36,496 | Age 72 Guide → |
| 73 | 26.5 yrs | 3.8% | $18,868 | $37,736 | Age 73 Guide → |
| 74 | 25.5 yrs | 3.9% | $19,608 | $39,216 | Age 74 Guide → |
| 75 | 24.6 yrs | 4.1% | $20,325 | $40,650 | Age 75 Guide → |
| 76 | 23.7 yrs | 4.2% | $21,097 | $42,194 | Age 76 Guide → |
| 77 | 22.9 yrs | 4.4% | $21,834 | $43,668 | Age 77 Guide → |
| 78 | 22 yrs | 4.5% | $22,727 | $45,455 | Age 78 Guide → |
| 79 | 21.1 yrs | 4.7% | $23,697 | $47,393 | Age 79 Guide → |
| 80 | 20.2 yrs | 5.0% | $24,752 | $49,505 | Age 80 Guide → |
| 81 | 19.4 yrs | 5.2% | $25,773 | $51,546 | Age 81 Guide → |
| 82 | 18.5 yrs | 5.4% | $27,027 | $54,054 | Age 82 Guide → |
| 83 | 17.7 yrs | 5.6% | $28,249 | $56,497 | Age 83 Guide → |
| 84 | 16.8 yrs | 6.0% | $29,762 | $59,524 | Age 84 Guide → |
| 85 | 16 yrs | 6.3% | $31,250 | $62,500 | Age 85 Guide → |
| 86 | 15.2 yrs | 6.6% | $32,895 | $65,789 | Age 86 Guide → |
| 87 | 14.4 yrs | 6.9% | $34,722 | $69,444 | Age 87 Guide → |
| 88 | 13.7 yrs | 7.3% | $36,496 | $72,993 | Age 88 Guide → |
| 89 | 12.9 yrs | 7.8% | $38,760 | $77,519 | Age 89 Guide → |
| 90 | 12.2 yrs | 8.2% | $40,984 | $81,967 | Age 90 Guide → |
| 91 | 11.5 yrs | 8.7% | $43,478 | $86,957 | Age 91 Guide → |
RMD Rules by Year (2020–2031)
History, current rules, and future planning. Major law changes (CARES Act, SECURE 2.0) explained year by year.
RMD by Age (72–91)
Per-age guides with IRS distribution factor, example calculations, and age-specific planning tips.
More RMD Guides (Coming Soon)
Account-Type Guides
Traditional IRA, 401(k), inherited IRA, SEP IRA, SIMPLE IRA, Roth 401(k), and more — account-specific rules and aggregation details.
Scenario Guides
Still working past 73, spouse age exception, inherited IRA 10-year rule, first RMD decision, SECURE Act changes, and more.
Strategy Guides
Tax-efficient withdrawal strategies, Roth conversion planning, QCD strategies, IRMAA management, and estate planning with IRAs.
Reference Tables
Complete IRS Uniform Lifetime Table, Joint Life Table for spouse exception, historical RMD rule timeline, and penalty calculation guide.
Calculate Your Exact 2026 RMD
Enter your age, account balance, and tax rate for a full calculation including tax estimate, monthly breakdown, and 10-year projection.
Open Full RMD Calculator →Frequently Asked Questions
Disclaimer: This content is for informational purposes only and does not constitute tax or financial advice. RMD rules are based on IRS Publication 590-B and SECURE 2.0 Act provisions. Always consult a qualified tax professional or financial advisor for guidance specific to your situation. IRS rules may change; verify current requirements at irs.gov.