At what age do RMDs start?

Under SECURE 2.0, Required Minimum Distributions from traditional IRAs and 401(k)s begin at age 73 (rising to 75 in 2033). Roth IRAs have no RMDs during the owner's lifetime.

How is an RMD calculated?

Divide your retirement account balance as of December 31 of the prior year by the IRS Uniform Lifetime Table distribution period for your age. For example, at 73 the divisor is 26.5.

RMD Calculator 2026 — Required Minimum Distribution

Your Required Minimum Distribution (RMD) is the amount you must withdraw each year from a traditional IRA or 401(k) starting at age 73. It equals your prior-year-end balance divided by the IRS Uniform Lifetime Table factor for your age (26.5 at 73). Updated June 2026.

How it works

The IRS sets a distribution period (life-expectancy factor) for each age. Your RMD = prior-year-end balance ÷ that factor. Missing an RMD can trigger a penalty, so confirm figures with your plan provider or a tax professional. Roth IRAs have no lifetime RMDs.