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Retirement · RMD

RMD on $1,500,000 at Age 95

The 2026 required minimum distribution on a $1,500,000 traditional IRA or pre-tax account at age 95 is $168,539 - about $14,045/month. That is $1,500,000 divided by the age-95 Uniform Lifetime factor of 8.9 (11.24% of the balance).

Prior year-end balance$1,500,000
Age 95 factor8.9
Withdrawal rate11.24%
Required minimum distribution$168,539
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FAQ

What is the RMD on $1,500,000 at age 95?

For 2026, divide $1,500,000 by the age-95 Uniform Lifetime factor of 8.9, giving an RMD of $168,539 - about $14,045 per month, or 11.24% 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-95 factor of 8.9. Use the calculator for your exact figure.

RMD on other balances at 95
$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 95

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