Required Minimum Distribution at Age 75
At age 75, the 2026 IRS Uniform Lifetime distribution period is 24.6. Divide your retirement account balance as of December 31 last year by 24.6 to get this year's RMD - about 4.07% of the balance. Age 75 is a required beginning age under SECURE 2.0, so this may be your first RMD.
RMD at age 75 by balance (2026)
| Dec 31 balance | RMD | Per month |
|---|---|---|
| $250,000 | $10,163 | $847 |
| $500,000 | $20,325 | $1,694 |
| $1,000,000 | $40,650 | $3,388 |
The required share rises every year as the factor shrinks. At age 74 the factor was 25.5 (3.92%). At age 76 it falls to 23.7 (4.22%). See the full RMD calculator and Uniform Lifetime Table.
Age 75 RMD questions
What is the RMD factor for age 75?
For 2026 the IRS Uniform Lifetime Table distribution period at age 75 is 24.6. You divide your December 31 prior-year balance by 24.6, which works out to about 4.07% of the account.
When must I take the age-75 RMD?
By December 31 of the year you turn 75. The only exception is your very first RMD, which can be delayed to April 1 of the following year. Missing it triggers a 25% excise tax on the shortfall (10% if corrected within two years).
Does a Roth IRA have an RMD at 75?
No. Roth IRAs have no required minimum distribution for the original owner at any age. This factor applies to traditional IRAs and pre-tax workplace plans.