Retirement · RMD
RMD on $200,000 at Age 91
The 2026 required minimum distribution on a $200,000 traditional IRA or pre-tax account at age 91 is $17,391 - about $1,449/month. That is $200,000 divided by the age-91 Uniform Lifetime factor of 11.5 (8.70% of the balance).
| Prior year-end balance | $200,000 |
| Age 91 factor | 11.5 |
| Withdrawal rate | 8.70% |
| Required minimum distribution | $17,391 |
FAQ
What is the RMD on $200,000 at age 91?
For 2026, divide $200,000 by the age-91 Uniform Lifetime factor of 11.5, giving an RMD of $17,391 - about $1,449 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
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.