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Retirement · RMD

RMD on $500,000 at Age 90

The 2026 required minimum distribution on a $500,000 traditional IRA or pre-tax account at age 90 is $40,984 - about $3,415/month. That is $500,000 divided by the age-90 Uniform Lifetime factor of 12.2 (8.20% of the balance).

Prior year-end balance$500,000
Age 90 factor12.2
Withdrawal rate8.20%
Required minimum distribution$40,984
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FAQ

What is the RMD on $500,000 at age 90?

For 2026, divide $500,000 by the age-90 Uniform Lifetime factor of 12.2, giving an RMD of $40,984 - about $3,415 per month, or 8.20% 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-90 factor of 12.2. Use the calculator for your exact figure.

RMD on other balances at 90
$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 90

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