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Retirement · RMD

RMD on $400,000 at Age 73

The 2026 required minimum distribution on a $400,000 traditional IRA or pre-tax account at age 73 is $15,094 - about $1,258/month. That is $400,000 divided by the age-73 Uniform Lifetime factor of 26.5 (3.77% of the balance).

Prior year-end balance$400,000
Age 73 factor26.5
Withdrawal rate3.77%
Required minimum distribution$15,094
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FAQ

What is the RMD on $400,000 at age 73?

For 2026, divide $400,000 by the age-73 Uniform Lifetime factor of 26.5, giving an RMD of $15,094 - about $1,258 per month, or 3.77% of the balance.

What if my balance is different?

The RMD scales directly with the December 31 prior-year balance: more balance, proportionally more RMD, using the same age-73 factor of 26.5. Use the calculator for your exact figure.

RMD on other balances at 73
$100,000$150,000$200,000$250,000$300,000$500,000$750,000$1,000,000$1,500,000$2,000,000

All RMD details for age 73

Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.