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Retirement · RMD

RMD on $500,000 at Age 89

The 2026 required minimum distribution on a $500,000 traditional IRA or pre-tax account at age 89 is $38,760 - about $3,230/month. That is $500,000 divided by the age-89 Uniform Lifetime factor of 12.9 (7.75% of the balance).

Prior year-end balance$500,000
Age 89 factor12.9
Withdrawal rate7.75%
Required minimum distribution$38,760
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FAQ

What is the RMD on $500,000 at age 89?

For 2026, divide $500,000 by the age-89 Uniform Lifetime factor of 12.9, giving an RMD of $38,760 - about $3,230 per month, or 7.75% 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-89 factor of 12.9. Use the calculator for your exact figure.

RMD on other balances at 89
$100,000$150,000$200,000$250,000$300,000$400,000$750,000$1,000,000$1,500,000$2,000,000

All RMD details for age 89

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