Required Minimum Distribution
IRS Uniform Lifetime Table calculator with multi-year RMD trajectory projection
Required Minimum Distribution
$
yr
%
This Year's RMD
IRS Uniform Lifetime Table · SECURE Act 2.0Required Distribution
$37,736
$3,145 / month
Distribution Rate
3.77%
Life expectancy factor: 26.5
Years to Project
30
To age 102
RMD Trajectory
Cumulative distributed: $2,194,709 over 30 years| Year | Age | Start Balance | RMD | End Balance | Cumulative |
|---|---|---|---|---|---|
| 2026 | 73 | $1,000,000 | $37,736 | $1,020,000 | $37,736 |
| 2027 | 74 | $1,020,000 | $40,000 | $1,038,800 | $77,736 |
| 2028 | 75 | $1,038,800 | $42,228 | $1,056,367 | $119,963 |
| 2029 | 76 | $1,056,367 | $44,572 | $1,072,502 | $164,536 |
| 2030 | 77 | $1,072,502 | $46,834 | $1,087,208 | $211,370 |
| 2031 | 78 | $1,087,208 | $49,419 | $1,100,057 | $260,789 |
| 2032 | 79 | $1,100,057 | $52,135 | $1,110,797 | $312,924 |
| 2033 | 80 | $1,110,797 | $54,990 | $1,119,155 | $367,914 |
| 2034 | 81 | $1,119,155 | $57,688 | $1,125,155 | $425,602 |
| 2035 | 82 | $1,125,155 | $60,819 | $1,128,196 | $486,421 |
| 2036 | 83 | $1,128,196 | $63,740 | $1,128,323 | $550,161 |
| 2037 | 84 | $1,128,323 | $67,162 | $1,124,831 | $617,323 |
| 2038 | 85 | $1,124,831 | $70,302 | $1,117,800 | $687,625 |
| 2039 | 86 | $1,117,800 | $73,540 | $1,106,917 | $761,165 |
| 2040 | 87 | $1,106,917 | $76,869 | $1,091,850 | $838,034 |
| 2041 | 88 | $1,091,850 | $79,697 | $1,072,882 | $917,731 |
| 2042 | 89 | $1,072,882 | $83,169 | $1,049,096 | $1,000,900 |
| 2043 | 90 | $1,049,096 | $85,991 | $1,020,891 | $1,086,892 |
| 2044 | 91 | $1,020,891 | $88,773 | $988,045 | $1,175,665 |
| 2045 | 92 | $988,045 | $91,486 | $950,353 | $1,267,151 |
| 2046 | 93 | $950,353 | $94,094 | $907,634 | $1,361,245 |
| 2047 | 94 | $907,634 | $95,540 | $860,819 | $1,456,785 |
| 2048 | 95 | $860,819 | $96,721 | $809,944 | $1,553,506 |
| 2049 | 96 | $809,944 | $96,422 | $756,333 | $1,649,928 |
| 2050 | 97 | $756,333 | $96,966 | $698,929 | $1,746,894 |
| 2051 | 98 | $698,929 | $95,744 | $639,377 | $1,842,638 |
| 2052 | 99 | $639,377 | $94,026 | $578,072 | $1,936,664 |
| 2053 | 100 | $578,072 | $90,324 | $517,013 | $2,026,988 |
| 2054 | 101 | $517,013 | $86,169 | $456,695 | $2,113,156 |
| 2055 | 102 | $456,695 | $81,553 | $397,651 | $2,194,709 |
SECURE Act 2.0 raised the RMD age from 72 to 73 in 2023, with another bump to 75 in 2033. Roth IRAs have no lifetime RMD. Penalty for missed RMD: 25% (10% if corrected within 2 years per IRS Rev. Proc. 2024-30).