Retirement · RMD
RMD on $250,000 at Age 94
The 2026 required minimum distribution on a $250,000 traditional IRA or pre-tax account at age 94 is $26,316 - about $2,193/month. That is $250,000 divided by the age-94 Uniform Lifetime factor of 9.5 (10.53% of the balance).
| Prior year-end balance | $250,000 |
| Age 94 factor | 9.5 |
| Withdrawal rate | 10.53% |
| Required minimum distribution | $26,316 |
FAQ
What is the RMD on $250,000 at age 94?
For 2026, divide $250,000 by the age-94 Uniform Lifetime factor of 9.5, giving an RMD of $26,316 - about $2,193 per month, or 10.53% 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-94 factor of 9.5. Use the calculator for your exact figure.
RMD on other balances at 94
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.