{"id":22624,"date":"2025-12-16T07:05:15","date_gmt":"2025-12-16T07:05:15","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22624"},"modified":"2025-12-16T07:05:35","modified_gmt":"2025-12-16T07:05:35","slug":"ira-required-minimum-distribution-rmd-table-2025-2026","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22624","title":{"rendered":"IRA Required Minimum Distribution (RMD) Table 2025-2026"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_f8fa887e60c8bd2c9a294274ea31018a\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Your required minimum distribution (RMD) amount changes each year based on the IRS\u2019s life expectancy calculation for your age.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You calculate your RMD by dividing your year-end account value by the estimated remaining years in your lifetime, as per an IRS table.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            If you miss the RMD deadline, you may incur a 25% penalty. (If you fix your error within 2 years, the penalty drops to 10%.)\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>You\u2019re allowed to put money into a traditional IRA and defer taxes on your contributions and any investment gains throughout your career. But eventually, you have to take out minimum amounts from your account each year, known as required minimum distributions or RMDs. RMDs also apply to employer-sponsored retirement accounts such as 401(k) and 403(b) plans.<\/p>\n<p>RMDs allow the government to tax money that\u2019s been protected in a retirement account, such as a traditional IRA, potentially for decades. After such a long period of compounding, the government wants to be sure it eventually gets its cut.<\/p>\n<p>Generally, you must start withdrawing your RMDs no later than April 1 following the year you reach age 73. (The age at which RMDs start is scheduled to rise to 75 in 2033, for those born on or after 1960.) Keep in mind that if you\u2019re still working at age 73, some 401(k)s and similar workplace retirement plans may let you delay your RMDs until you retire.<\/p>\n<h2 id=\"how-much-for-rmds\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much do you need to withdraw for your RMD?\" data-outcome=\"\">How much do you need to withdraw for your RMD?<\/h2>\n<p>The exact amount you\u2019re required to withdraw changes each year based on your life expectancy. Your RMD is calculated by dividing your account\u2019s year-end value by the estimated remaining years of your lifetime, based on IRS data.<\/p>\n<p>The table below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure their mandatory distributions. The IRS has a separate table for account owners whose spouse is more than 10 years younger and is the sole account beneficiary, and another table for account beneficiaries who aren\u2019t the owner\u2019s spouse.<\/p>\n<h2 id=\"rmd-table\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"IRA required minimum distribution (RMD) table for 2025 and 2026\" data-outcome=\"\">IRA required minimum distribution (RMD) table for 2025 and 2026<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd Table--spacing1 align-middle is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th class=\"has-text-align-center\" data-align=\"center\">Age of retiree<\/th>\n<th class=\"has-text-align-center\" data-align=\"center\">Distribution period (in years)<\/th>\n<th class=\"has-text-align-center\" data-align=\"center\">Age of retiree<\/th>\n<th class=\"has-text-align-center\" data-align=\"center\">Distribution period (in years)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">73<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">26.5<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">97<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">7.8<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">74<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">25.5<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">98<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">7.3<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">75<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">24.6<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">99<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">6.8<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">76<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">23.7<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">100<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">6.4<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">77<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">22.9<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">101<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">6.0<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">78<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">22.0<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">102<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">5.6<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">79<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">21.1<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">103<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">5.2<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">80<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">20.2<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">104<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">4.9<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">81<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">19.4<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">105<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">4.6<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">82<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">18.5<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">106<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">4.3<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">83<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">17.7<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">107<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">4.1<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">84<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">16.8<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">108<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.9<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">85<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">16.0<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">109<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.7<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">86<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">15.2<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">110<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.5<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">87<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">14.4<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">111<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.4<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">88<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">13.7<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">112<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.3<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">89<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">12.9<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">113<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.1<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">90<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">12.2<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">114<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">3.0<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">91<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">11.5<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">115<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.9<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">92<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">10.8<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">116<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.8<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">93<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">10.1<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">117<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.7<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">94<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">9.5<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">118<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.5<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">95<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">8.9<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">119<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.3<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">96<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">8.4<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">120 and older<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">2.0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><em>Source: Internal Revenue Service (IRS)<\/em><\/p>\n<h2 id=\"how-to-calculate-rmds\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to calculate your RMD\" data-outcome=\"\">How to calculate your RMD<\/h2>\n<p>To calculate your required minimum distribution, simply divide the value of your IRA, 401(k) or other retirement account at the end of last year by the distribution period value that matches your age on Dec. 31 this year. Every age beginning at 73 has a corresponding distribution period, so you must calculate your RMD every year.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Example\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Joe is a widower who turns 80 this year and has an IRA that was worth $100,000 at the end of last year. The table shows that the distribution period for an 80-year-old is 20.2 years. Therefore, Joe must take out at least $4,950.50 this year ($100,000 divided by 20.2).<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>If you need help calculating your RMD, you can use Bankrate\u2019s required minimum distribution calculator.<\/p>\n<p>Some RMD facts to consider:<\/p>\n<ul class=\"wp-block-list\">\n<li>You must take your RMD by April 1 of the year after you turn 73. But if you wait until that deadline, you\u2019ll owe two RMDs in one year. For example, if you turn 73 in 2025 you can wait until April 1, 2026 to take your first RMD, but you\u2019ll also owe your 2026 RMD (based on being age 74) by the end of that year. Both of these distributions will incur income taxes, so it may make sense to pull your first RMD out in 2025.<\/li>\n<li>RMDs don\u2019t apply to Roth IRAs or Roth 401(k) accounts, because contributions are made with income that has already been taxed.<\/li>\n<li>The best IRA accounts will figure your RMD on your behalf at the start of the year.<\/li>\n<\/ul>\n<h2 id=\"penalty\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Penalty for missing the RMD deadline\" data-outcome=\"\">Penalty for missing the RMD deadline<\/h2>\n<p>It\u2019s your responsibility to ensure you take the full RMD amount by the deadline:<\/p>\n<ul class=\"wp-block-list\">\n<li>The first time you take an RMD, you have until April 1 of the year following the year you turn 73 to do so.<\/li>\n<li>After that, you generally have until Dec. 31 of the current year to take that year\u2019s RMD.<\/li>\n<\/ul>\n<p>If you haven\u2019t withdrawn the full RMD amount by the deadline, any money not withdrawn faces a 25% penalty. That drops to 10% if the RMD is corrected within two years. In such cases, the IRA owner must fill out IRS Form 5329. See Part IX of this form for the section regarding the additional tax on excess contributions.<\/p>\n<p>Note that if you feel you\u2019ve missed the deadline for a legitimate reason, you can request a waiver from the IRS. For more information, see the waiver of tax for reasonable cause section of the Form 5329 instructions.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"CcH7IaIgp7\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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href=\"https:\/\/www.bankrate.com\/retirement\/ira-rmd-table\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Your required minimum distribution (RMD) amount changes each year based on the IRS\u2019s life expectancy calculation for your age. You calculate your RMD by dividing your year-end account value by the estimated remaining years in your lifetime, as per an IRS table. If you miss the RMD deadline, you may incur a 25%<\/p>\n","protected":false},"author":1,"featured_media":22625,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22624","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IRA Required Minimum Distribution (RMD) Table 2025-2026 | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways Your required minimum distribution (RMD) amount changes each year based on the IRS\u2019s life expectancy calculation for your age. 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