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Retirement · RMD

RMD on $1,000,000 at Age 76

The 2026 required minimum distribution on a $1,000,000 traditional IRA or pre-tax account at age 76 is $42,194 - about $3,516/month. That is $1,000,000 divided by the age-76 Uniform Lifetime factor of 23.7 (4.22% of the balance).

Prior year-end balance$1,000,000
Age 76 factor23.7
Withdrawal rate4.22%
Required minimum distribution$42,194
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FAQ

What is the RMD on $1,000,000 at age 76?

For 2026, divide $1,000,000 by the age-76 Uniform Lifetime factor of 23.7, giving an RMD of $42,194 - about $3,516 per month, or 4.22% 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-76 factor of 23.7. Use the calculator for your exact figure.

RMD on other balances at 76
$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 76

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