Retirement · RMD
RMD on $250,000 at Age 99
The 2026 required minimum distribution on a $250,000 traditional IRA or pre-tax account at age 99 is $36,765 - about $3,064/month. That is $250,000 divided by the age-99 Uniform Lifetime factor of 6.8 (14.71% of the balance).
| Prior year-end balance | $250,000 |
| Age 99 factor | 6.8 |
| Withdrawal rate | 14.71% |
| Required minimum distribution | $36,765 |
FAQ
What is the RMD on $250,000 at age 99?
For 2026, divide $250,000 by the age-99 Uniform Lifetime factor of 6.8, giving an RMD of $36,765 - about $3,064 per month, or 14.71% 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-99 factor of 6.8. Use the calculator for your exact figure.
RMD on other balances at 99
Source: IRS Pub 590-B Uniform Lifetime Table. Last updated 2026-06-23. Not financial advice.