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Retirement · RMD

RMD on $1,000,000 at Age 80

The 2026 required minimum distribution on a $1,000,000 traditional IRA or pre-tax account at age 80 is $49,505 - about $4,125/month. That is $1,000,000 divided by the age-80 Uniform Lifetime factor of 20.2 (4.95% of the balance).

Prior year-end balance$1,000,000
Age 80 factor20.2
Withdrawal rate4.95%
Required minimum distribution$49,505
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FAQ

What is the RMD on $1,000,000 at age 80?

For 2026, divide $1,000,000 by the age-80 Uniform Lifetime factor of 20.2, giving an RMD of $49,505 - about $4,125 per month, or 4.95% 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-80 factor of 20.2. Use the calculator for your exact figure.

RMD on other balances at 80
$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 80

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