Retirement · RMD
RMD on $2,000,000 at Age 74
The 2026 required minimum distribution on a $2,000,000 traditional IRA or pre-tax account at age 74 is $78,431 - about $6,536/month. That is $2,000,000 divided by the age-74 Uniform Lifetime factor of 25.5 (3.92% of the balance).
| Prior year-end balance | $2,000,000 |
| Age 74 factor | 25.5 |
| Withdrawal rate | 3.92% |
| Required minimum distribution | $78,431 |
FAQ
What is the RMD on $2,000,000 at age 74?
For 2026, divide $2,000,000 by the age-74 Uniform Lifetime factor of 25.5, giving an RMD of $78,431 - about $6,536 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
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.