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Retirement · RMD

RMD on $1,000,000 at Age 74

The 2026 required minimum distribution on a $1,000,000 traditional IRA or pre-tax account at age 74 is $39,216 - about $3,268/month. That is $1,000,000 divided by the age-74 Uniform Lifetime factor of 25.5 (3.92% of the balance).

Prior year-end balance$1,000,000
Age 74 factor25.5
Withdrawal rate3.92%
Required minimum distribution$39,216
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FAQ

What is the RMD on $1,000,000 at age 74?

For 2026, divide $1,000,000 by the age-74 Uniform Lifetime factor of 25.5, giving an RMD of $39,216 - about $3,268 per month, or 3.92% 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-74 factor of 25.5. Use the calculator for your exact figure.

RMD on other balances at 74
$100,000$150,000$200,000$250,000$300,000$400,000$500,000$750,000$1,500,000$2,000,000

All RMD details for age 74

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