RMD Table 2028 — Plan Ahead for Future Required Distributions
What will my RMD look like in 2028?
Planning for 2028 RMDs gives you a multi-year runway to optimize your retirement income strategy. If you were born in 1955, you turn 73 in 2028 — making 2028 your first RMD year. Those already in their RMD years will see their distributions grow as their distribution periods decrease with each year of age.
The IRS Uniform Lifetime Table distribution factors do not change year to year — only your account balance does. At age 73, the factor is 26.5; at 80, it is 20.2. As the factor decreases, the percentage of your account you must withdraw each year increases, meaning RMDs as a share of assets grow over time.
A critical planning note for those born in 1960: under SECURE 2.0, your RMD age is 75 (not 73), so you will not be required to begin distributions until 2035. This gives you additional years to perform Roth conversions and reduce your future RMD obligation.
Calculate Your 2028 RMD
Age 73 · Balance $500,000 → ~$18,868 RMD
Enter your actual balance for a precise calculation
Formula
RMD = December 31, 2027 Account Balance ÷ Distribution Period (IRS Uniform Lifetime Table)
Key RMD Rules
- 1RMD age: 73 for those born 1951–1959; 75 for those born 1960+ (effective 2033/2035).
- 2Balance used: December 31, 2027 account value.
- 3Each year older, the distribution factor decreases — meaning a larger percentage of your account must be distributed.
- 4Qualified Charitable Distributions (QCDs) are inflation-indexed — plan to use QCDs to manage taxable income.
- 5Large RMDs can trigger Medicare IRMAA surcharges if Modified Adjusted Gross Income exceeds thresholds.
Common RMD Mistakes to Avoid
- ⚠Not planning for the compounding effect of RMDs — distributions grow even if balances are flat, because the factor decreases.
- ⚠Failing to consider state income tax implications of RMDs in high-tax states.
- ⚠Missing the opportunity for multi-year Roth conversions between retirement and RMD start to reduce future distributions.
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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.