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Retirement · RMD

RMD on $2,000,000 at Age 77

The 2026 required minimum distribution on a $2,000,000 traditional IRA or pre-tax account at age 77 is $87,336 - about $7,278/month. That is $2,000,000 divided by the age-77 Uniform Lifetime factor of 22.9 (4.37% of the balance).

Prior year-end balance$2,000,000
Age 77 factor22.9
Withdrawal rate4.37%
Required minimum distribution$87,336
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FAQ

What is the RMD on $2,000,000 at age 77?

For 2026, divide $2,000,000 by the age-77 Uniform Lifetime factor of 22.9, giving an RMD of $87,336 - about $7,278 per month, or 4.37% 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-77 factor of 22.9. Use the calculator for your exact figure.

RMD on other balances at 77
$100,000$150,000$200,000$250,000$300,000$400,000$500,000$750,000$1,000,000$1,500,000

All RMD details for age 77

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