Retirement · RMD
RMD on $300,000 at Age 79
The 2026 required minimum distribution on a $300,000 traditional IRA or pre-tax account at age 79 is $14,218 - about $1,185/month. That is $300,000 divided by the age-79 Uniform Lifetime factor of 21.1 (4.74% of the balance).
| Prior year-end balance | $300,000 |
| Age 79 factor | 21.1 |
| Withdrawal rate | 4.74% |
| Required minimum distribution | $14,218 |
FAQ
What is the RMD on $300,000 at age 79?
For 2026, divide $300,000 by the age-79 Uniform Lifetime factor of 21.1, giving an RMD of $14,218 - about $1,185 per month, or 4.74% 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-79 factor of 21.1. Use the calculator for your exact figure.
RMD on other balances at 79
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.