GGovCalcs
Retirement · RMD

RMD on $400,000 at Age 95

The 2026 required minimum distribution on a $400,000 traditional IRA or pre-tax account at age 95 is $44,944 - about $3,745/month. That is $400,000 divided by the age-95 Uniform Lifetime factor of 8.9 (11.24% of the balance).

Prior year-end balance$400,000
Age 95 factor8.9
Withdrawal rate11.24%
Required minimum distribution$44,944
Open in calculator

FAQ

What is the RMD on $400,000 at age 95?

For 2026, divide $400,000 by the age-95 Uniform Lifetime factor of 8.9, giving an RMD of $44,944 - about $3,745 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$500,000$750,000$1,000,000$1,500,000$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.