RMD Table 2029 — Long-Range RMD Planning Guide
How do I project my RMDs for 2029?
Planning your 2029 Required Minimum Distributions now — several years in advance — provides the most flexibility for tax optimization. Whether you are approaching age 73 or already well into your RMD years, understanding how distributions will grow helps you make smarter decisions about Roth conversions, charitable giving, and Social Security timing.
Those born in 1956 turn 73 in 2029, beginning their RMD obligations. Under SECURE 2.0, those born in 1960 or later will not begin RMDs until age 75 — giving the 1960 cohort until 2035 before first distributions are required.
By 2029, someone who started RMDs at 73 in 2023 will be 79. At age 79, the IRS distribution factor is 21.1, meaning they must withdraw approximately 4.7% of their account balance annually. Compare this to 3.8% at age 73 — the percentage required grows by roughly 0.1–0.2% per year.
Calculate Your 2029 RMD
Age 73 · Balance $500,000 → ~$18,868 RMD
Enter your actual balance for a precise calculation
Formula
RMD = December 31, 2028 Account Balance ÷ Distribution Period (IRS Uniform Lifetime Table)
Key RMD Rules
- 1RMD starting age: 73 for those born 1951–1959; 75 for those born 1960+ (effective 2033).
- 2Balance used: December 31, 2028 account value.
- 3Distribution percentage grows each year — factor decreases while account may also grow, creating larger required withdrawals.
- 4Inherited IRAs under the 10-year rule (SECURE Act 1.0) must fully distribute by the 10th year.
- 5Qualified Charitable Distributions remain the most tax-efficient way to satisfy RMDs for charitably inclined retirees.
Common RMD Mistakes to Avoid
- ⚠Underestimating future RMD amounts when planning retirement income — use a multi-year projection to avoid surprises.
- ⚠Not utilizing the years before RMD start for Roth conversions to reduce the eventual taxable distribution base.
- ⚠Overlooking that Social Security + RMD income together can trigger up to 85% of Social Security benefits being taxable.
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.