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Retirement · RMD

RMD on $1,500,000 at Age 91

The 2026 required minimum distribution on a $1,500,000 traditional IRA or pre-tax account at age 91 is $130,435 - about $10,870/month. That is $1,500,000 divided by the age-91 Uniform Lifetime factor of 11.5 (8.70% of the balance).

Prior year-end balance$1,500,000
Age 91 factor11.5
Withdrawal rate8.70%
Required minimum distribution$130,435
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FAQ

What is the RMD on $1,500,000 at age 91?

For 2026, divide $1,500,000 by the age-91 Uniform Lifetime factor of 11.5, giving an RMD of $130,435 - about $10,870 per month, or 8.70% 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-91 factor of 11.5. Use the calculator for your exact figure.

RMD on other balances at 91
$100,000$150,000$200,000$250,000$300,000$400,000$500,000$750,000$1,000,000$2,000,000

All RMD details for age 91

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