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Retirement · RMD

RMD on $400,000 at Age 85

The 2026 required minimum distribution on a $400,000 traditional IRA or pre-tax account at age 85 is $25,000 - about $2,083/month. That is $400,000 divided by the age-85 Uniform Lifetime factor of 16.0 (6.25% of the balance).

Prior year-end balance$400,000
Age 85 factor16.0
Withdrawal rate6.25%
Required minimum distribution$25,000
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FAQ

What is the RMD on $400,000 at age 85?

For 2026, divide $400,000 by the age-85 Uniform Lifetime factor of 16.0, giving an RMD of $25,000 - about $2,083 per month, or 6.25% 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-85 factor of 16.0. Use the calculator for your exact figure.

RMD on other balances at 85
$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 85

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