RMD at Age 75 — IRS Distribution Factor & 2026 Calculator
What is the Required Minimum Distribution for a 75-year-old?
At age 75, the IRS Uniform Lifetime Table assigns a distribution period of 24.6 years. This means your Required Minimum Distribution equals your December 31 prior-year account balance divided by 24.6. On a $500,000 account, the RMD is approximately $20,325 — about 4.1% of the account value.
Age 75 will become the RMD starting age for those born in 1960 or later under SECURE 2.0 (effective 2033). For current retirees born before 1960, age 75 is the third RMD year — with the factor dropping to 24.6 and the required withdrawal rate reaching approximately 4.07% of the account balance.
Calculate Your 2026 RMD
Age 75 · Balance $500,000 → ~$20,325 RMD
Enter your actual balance for a precise calculation
Formula
RMD = Balance ÷ 24.6 (IRS Uniform Lifetime Table, age 75)
IRS Distribution Period — Age 75
24.6
Distribution Period (years)
4.1%
% of Balance Required
$20,325
RMD on $500K Balance
$40,650
RMD on $1M Balance
Key RMD Rules
- 1IRS distribution factor at age 75: 24.6 years.
- 2RMD formula: December 31 prior-year balance ÷ 24.6.
- 3On a $500,000 account, this produces an RMD of approximately $20,325.
- 4Deadline: December 31 of the current year (or April 1 of the following year for your very first RMD only).
- 5The 25% penalty for missing an RMD (reduced to 10% if corrected within the correction window) applies regardless of age.
- 6For those born in 1960+, age 75 will be the first RMD year (effective 2033/2035).
Common RMD Mistakes to Avoid
- ⚠Using the current year's balance instead of the December 31 prior-year balance — always use the prior December 31 value.
- ⚠Forgetting to take RMDs from each employer plan (401k, 403b) separately — you cannot aggregate multiple employer plans.
- ⚠Assuming the RMD percentage stays constant — it increases every year as the distribution factor decreases.
Related RMD Tools & Guides
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.