RMD Table 2030 — 3 Years Before the Age-75 Rule for 1960 Born
What are the RMD projections for 2030 and how does the age-75 rule affect planning?
By 2030, the SECURE 2.0 landscape is clear: those born 1951–1959 are taking RMDs starting at age 73, while those born in 1960 or later will not begin Required Minimum Distributions until age 75. The first cohort subject to the age-75 rule (born in 1960) will turn 70 in 2030 — still three years from the age-73 threshold that does not apply to them.
For those born in 1957, 2030 is the first RMD year (turning 73). For those born in 1960, there is no RMD obligation in 2030 — they benefit from 5 additional years of tax-deferred growth compared to earlier cohorts and extra Roth conversion runway.
The 2030 RMD calculation uses the same IRS Uniform Lifetime Table: December 31, 2029 balance divided by the distribution period for your age in 2030. Anyone in their 80s by 2030 is withdrawing roughly 5% or more of their account annually.
Calculate Your 2030 RMD
Age 73 · Balance $500,000 → ~$18,868 RMD
Enter your actual balance for a precise calculation
Formula
RMD = December 31, 2029 Account Balance ÷ Distribution Period (IRS Uniform Lifetime Table)
Key RMD Rules
- 1RMD age: 73 for those born 1951–1959. Age 75 for those born 1960+ (begins 2033 when the 1958 cohort turns 75 — wait, 1960 cohort turns 75 in 2035).
- 2Balance used: December 31, 2029 account value.
- 3Those born 1960+ can continue Roth conversions through 2030 to reduce the eventual RMD base.
- 4QCD limit is indexed for inflation — by 2030 it may approach $120,000 or more.
- 5Check IRMAA thresholds annually — they adjust for inflation but large RMDs can still trigger surcharges.
Common RMD Mistakes to Avoid
- ⚠Confusing the RMD ages: 73 applies to those born 1951–1959; 75 to those born 1960+. Make sure you know your category.
- ⚠Not maximizing Roth conversion opportunities in the years leading up to your first RMD — this window is limited.
- ⚠Underestimating the IRMAA impact of large RMDs on Medicare premiums two years later.
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.