Required Minimum Distribution at Age 87
At age 87, the 2026 IRS Uniform Lifetime distribution period is 14.4. Divide your retirement account balance as of December 31 last year by 14.4 to get this year's RMD - about 6.94% of the balance.
RMD at age 87 by balance (2026)
| Dec 31 balance | RMD | Per month |
|---|---|---|
| $250,000 | $17,361 | $1,447 |
| $500,000 | $34,722 | $2,894 |
| $1,000,000 | $69,444 | $5,787 |
The required share rises every year as the factor shrinks. At age 86 the factor was 15.2 (6.58%). At age 88 it falls to 13.7 (7.30%). See the full RMD calculator and Uniform Lifetime Table.
Age 87 RMD questions
What is the RMD factor for age 87?
For 2026 the IRS Uniform Lifetime Table distribution period at age 87 is 14.4. You divide your December 31 prior-year balance by 14.4, which works out to about 6.94% of the account.
When must I take the age-87 RMD?
By December 31 of the year you turn 87. 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 87?
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.