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Retirement · RMD

RMD on $2,000,000 at Age 78

The 2026 required minimum distribution on a $2,000,000 traditional IRA or pre-tax account at age 78 is $90,909 - about $7,576/month. That is $2,000,000 divided by the age-78 Uniform Lifetime factor of 22.0 (4.55% of the balance).

Prior year-end balance$2,000,000
Age 78 factor22.0
Withdrawal rate4.55%
Required minimum distribution$90,909
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FAQ

What is the RMD on $2,000,000 at age 78?

For 2026, divide $2,000,000 by the age-78 Uniform Lifetime factor of 22.0, giving an RMD of $90,909 - about $7,576 per month, or 4.55% 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-78 factor of 22.0. Use the calculator for your exact figure.

RMD on other balances at 78
$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 78

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