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More options· 5% growth
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%
A year, for the years ahead
Your 2026 RMD
$19,608
$500,000 ÷ 25.5, the IRS figure for age 74
- Take it by
- December 31, 2026
- Spread over 12 months
- $1,634 a month
Miss it and the IRS charges 25% of what you didn’t take ($4,902), or 10% ($1,961) if you put it right within two years.
What this means
Your RMD is 3.9% of your balance. The IRS figure falls each year, so the share you have to take rises: 4.1% at 75, 5.0% at 80 and 8.2% at 90. RMDs are taxed as income, and taking more doesn’t lower future ones.
From 70½ you can give up to $111,000 a year (2026) straight from your IRA to charity. It counts toward your RMD and isn’t taxed.
Next step
Your RMDs in the years ahead
| Year | Age | Balance | RMD |
|---|---|---|---|
| 2026 | 74 | $500,000 | $19,608 |
| 2027 | 75 | $505,392 | $20,544 |
| 2028 | 76 | $510,117 | $21,524 |
| 2029 | 77 | $514,099 | $22,450 |
| 2030 | 78 | $517,355 | $23,516 |
| 2031 | 79 | $519,706 | $24,631 |
| 2032 | 80 | $521,061 | $25,795 |
| 2033 | 81 | $521,319 | $26,872 |
| 2034 | 82 | $520,513 | $28,136 |
| 2035 | 83 | $518,402 | $29,288 |
| 2036 | 84 | $515,034 | $30,657 |
| 2037 | 85 | $510,129 | $31,883 |
| 2038 | 86 | $503,753 | $33,142 |
| 2039 | 87 | $495,799 | $34,430 |
| 2040 | 88 | $486,158 | $35,486 |
| 2041 | 89 | $474,980 | $36,820 |
| 2042 | 90 | $461,909 | $37,861 |
| 2043 | 91 | $447,143 | $38,882 |
| 2044 | 92 | $430,618 | $39,872 |
| 2045 | 93 | $412,277 | $40,819 |
Your RMD by age
$40,819$20,410$0
7475777981838587899193
RMD
Assumptions in this estimate
- Uses the IRS Uniform Lifetime Table (Publication 590-B). If your spouse is more than 10 years younger and your only beneficiary, a different table gives a smaller RMD.
- The years ahead assume 5% growth a year, with each RMD taken at the end of the year and nothing else taken out.
- Inherited IRAs and plans follow different rules, often taking everything out within 10 years.
- With more than one traditional IRA, work out each one’s RMD, then take the total from any of them.