Required Minimum Distribution at Age 81
At age 81, the 2026 IRS Uniform Lifetime distribution period is 19.4. Divide your retirement account balance as of December 31 last year by 19.4 to get this year's RMD - about 5.15% of the balance.
RMD at age 81 by balance (2026)
| Dec 31 balance | RMD | Per month |
|---|---|---|
| $250,000 | $12,887 | $1,074 |
| $500,000 | $25,773 | $2,148 |
| $1,000,000 | $51,546 | $4,296 |
The required share rises every year as the factor shrinks. At age 80 the factor was 20.2 (4.95%). At age 82 it falls to 18.5 (5.41%). See the full RMD calculator and Uniform Lifetime Table.
Age 81 RMD questions
What is the RMD factor for age 81?
For 2026 the IRS Uniform Lifetime Table distribution period at age 81 is 19.4. You divide your December 31 prior-year balance by 19.4, which works out to about 5.15% of the account.
When must I take the age-81 RMD?
By December 31 of the year you turn 81. The only exception is your very first RMD, which can be delayed to April 1 of the following year. Missing it triggers a 25% excise tax on the shortfall (10% if corrected within two years).
Does a Roth IRA have an RMD at 81?
No. Roth IRAs have no required minimum distribution for the original owner at any age. This factor applies to traditional IRAs and pre-tax workplace plans.