Retirement · RMD
RMD on $2,000,000 at Age 97
The 2026 required minimum distribution on a $2,000,000 traditional IRA or pre-tax account at age 97 is $256,410 - about $21,368/month. That is $2,000,000 divided by the age-97 Uniform Lifetime factor of 7.8 (12.82% of the balance).
| Prior year-end balance | $2,000,000 |
| Age 97 factor | 7.8 |
| Withdrawal rate | 12.82% |
| Required minimum distribution | $256,410 |
FAQ
What is the RMD on $2,000,000 at age 97?
For 2026, divide $2,000,000 by the age-97 Uniform Lifetime factor of 7.8, giving an RMD of $256,410 - about $21,368 per month, or 12.82% 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-97 factor of 7.8. Use the calculator for your exact figure.
RMD on other balances at 97
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.