RMD at Age 84 — IRS Distribution Factor & 2026 Calculator
What is the Required Minimum Distribution for a 84-year-old?
At age 84, the IRS Uniform Lifetime Table assigns a distribution period of 16.8 years. This means your Required Minimum Distribution equals your December 31 prior-year account balance divided by 16.8. On a $500,000 account, the RMD is approximately $29,762 — about 6.0% of the account value.
At age 84, the IRS factor is 16.8 years, requiring approximately $29,762 from a $500,000 balance — about 5.95%. Consider whether a QCD strategy makes sense: donating RMD amounts to charity can eliminate the tax owed on the distributed amount.
Calculate Your 2026 RMD
Age 84 · Balance $500,000 → ~$29,762 RMD
Enter your actual balance for a precise calculation
Formula
RMD = Balance ÷ 16.8 (IRS Uniform Lifetime Table, age 84)
IRS Distribution Period — Age 84
16.8
Distribution Period (years)
6.0%
% of Balance Required
$29,762
RMD on $500K Balance
$59,524
RMD on $1M Balance
Key RMD Rules
- 1IRS distribution factor at age 84: 16.8 years.
- 2RMD formula: December 31 prior-year balance ÷ 16.8.
- 3On a $500,000 account, this produces an RMD of approximately $29,762.
- 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.
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.