Required Minimum Distribution at Age 97
At age 97, the 2026 IRS Uniform Lifetime distribution period is 7.8. Divide your retirement account balance as of December 31 last year by 7.8 to get this year's RMD - about 12.82% of the balance.
RMD at age 97 by balance (2026)
| Dec 31 balance | RMD | Per month |
|---|---|---|
| $250,000 | $32,051 | $2,671 |
| $500,000 | $64,103 | $5,342 |
| $1,000,000 | $128,205 | $10,684 |
The required share rises every year as the factor shrinks. At age 96 the factor was 8.4 (11.90%). At age 98 it falls to 7.3 (13.70%). See the full RMD calculator and Uniform Lifetime Table.
Age 97 RMD questions
What is the RMD factor for age 97?
For 2026 the IRS Uniform Lifetime Table distribution period at age 97 is 7.8. You divide your December 31 prior-year balance by 7.8, which works out to about 12.82% of the account.
When must I take the age-97 RMD?
By December 31 of the year you turn 97. The only exception is your very first RMD, which can be delayed to April 1 of the following year. Missing it triggers a 25% excise tax on the shortfall (10% if corrected within two years).
Does a Roth IRA have an RMD at 97?
No. Roth IRAs have no required minimum distribution for the original owner at any age. This factor applies to traditional IRAs and pre-tax workplace plans.