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Retirement · RMD

RMD on $300,000 at Age 88

The 2026 required minimum distribution on a $300,000 traditional IRA or pre-tax account at age 88 is $21,898 - about $1,825/month. That is $300,000 divided by the age-88 Uniform Lifetime factor of 13.7 (7.30% of the balance).

Prior year-end balance$300,000
Age 88 factor13.7
Withdrawal rate7.30%
Required minimum distribution$21,898
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FAQ

What is the RMD on $300,000 at age 88?

For 2026, divide $300,000 by the age-88 Uniform Lifetime factor of 13.7, giving an RMD of $21,898 - about $1,825 per month, or 7.30% 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-88 factor of 13.7. Use the calculator for your exact figure.

RMD on other balances at 88
$100,000$150,000$200,000$250,000$400,000$500,000$750,000$1,000,000$1,500,000$2,000,000

All RMD details for age 88

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