Required Minimum Distribution at Age 85
At age 85, the 2026 IRS Uniform Lifetime distribution period is 16.0. Divide your retirement account balance as of December 31 last year by 16.0 to get this year's RMD - about 6.25% of the balance.
RMD at age 85 by balance (2026)
| Dec 31 balance | RMD | Per month |
|---|---|---|
| $250,000 | $15,625 | $1,302 |
| $500,000 | $31,250 | $2,604 |
| $1,000,000 | $62,500 | $5,208 |
The required share rises every year as the factor shrinks. At age 84 the factor was 16.8 (5.95%). At age 86 it falls to 15.2 (6.58%). See the full RMD calculator and Uniform Lifetime Table.
Age 85 RMD questions
What is the RMD factor for age 85?
For 2026 the IRS Uniform Lifetime Table distribution period at age 85 is 16.0. You divide your December 31 prior-year balance by 16.0, which works out to about 6.25% of the account.
When must I take the age-85 RMD?
By December 31 of the year you turn 85. 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 85?
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.