Retirement · RMD
RMD on $1,500,000 at Age 98
The 2026 required minimum distribution on a $1,500,000 traditional IRA or pre-tax account at age 98 is $205,479 - about $17,123/month. That is $1,500,000 divided by the age-98 Uniform Lifetime factor of 7.3 (13.70% of the balance).
| Prior year-end balance | $1,500,000 |
| Age 98 factor | 7.3 |
| Withdrawal rate | 13.70% |
| Required minimum distribution | $205,479 |
FAQ
What is the RMD on $1,500,000 at age 98?
For 2026, divide $1,500,000 by the age-98 Uniform Lifetime factor of 7.3, giving an RMD of $205,479 - about $17,123 per month, or 13.70% 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-98 factor of 7.3. Use the calculator for your exact figure.
RMD on other balances at 98
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.