Retirement · RMD
RMD on $150,000 at Age 82
The 2026 required minimum distribution on a $150,000 traditional IRA or pre-tax account at age 82 is $8,108 - about $676/month. That is $150,000 divided by the age-82 Uniform Lifetime factor of 18.5 (5.41% of the balance).
| Prior year-end balance | $150,000 |
| Age 82 factor | 18.5 |
| Withdrawal rate | 5.41% |
| Required minimum distribution | $8,108 |
FAQ
What is the RMD on $150,000 at age 82?
For 2026, divide $150,000 by the age-82 Uniform Lifetime factor of 18.5, giving an RMD of $8,108 - about $676 per month, or 5.41% 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-82 factor of 18.5. Use the calculator for your exact figure.
RMD on other balances at 82
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.