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Retirement · RMD

RMD on $400,000 at Age 81

The 2026 required minimum distribution on a $400,000 traditional IRA or pre-tax account at age 81 is $20,619 - about $1,718/month. That is $400,000 divided by the age-81 Uniform Lifetime factor of 19.4 (5.15% of the balance).

Prior year-end balance$400,000
Age 81 factor19.4
Withdrawal rate5.15%
Required minimum distribution$20,619
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FAQ

What is the RMD on $400,000 at age 81?

For 2026, divide $400,000 by the age-81 Uniform Lifetime factor of 19.4, giving an RMD of $20,619 - about $1,718 per month, or 5.15% 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-81 factor of 19.4. Use the calculator for your exact figure.

RMD on other balances at 81
$100,000$150,000$200,000$250,000$300,000$500,000$750,000$1,000,000$1,500,000$2,000,000

All RMD details for age 81

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