Retirement · RMD
RMD on $1,500,000 at Age 84
The 2026 required minimum distribution on a $1,500,000 traditional IRA or pre-tax account at age 84 is $89,286 - about $7,440/month. That is $1,500,000 divided by the age-84 Uniform Lifetime factor of 16.8 (5.95% of the balance).
| Prior year-end balance | $1,500,000 |
| Age 84 factor | 16.8 |
| Withdrawal rate | 5.95% |
| Required minimum distribution | $89,286 |
FAQ
What is the RMD on $1,500,000 at age 84?
For 2026, divide $1,500,000 by the age-84 Uniform Lifetime factor of 16.8, giving an RMD of $89,286 - about $7,440 per month, or 5.95% 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-84 factor of 16.8. Use the calculator for your exact figure.
RMD on other balances at 84
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.