RMD age by birth year

Born 1951 to 1959: required minimum distributions start the year you turn 73. Born 1960 or later: the year you turn 75. Born 1950 or earlier: they started at 72 (or 70½ if you were born before July 1, 1949).

The tool is set to an owner born in 1960. Change the birth year to see yours.

Balance, last December 31$ Tax year

The original owner

Owner's birth year Year the owner died

The person I inherited from had inherited it too (I am a successor)

You

Your birth year Taken so far this year$

Your beneficiary category what these mean

Surviving spouse of the owner Minor child of the owner, under 21 at the death Disabled or chronically ill Not more than 10 years younger than the owner, or older Anyone else: an adult child, grandchild, niece, friend

Assumed yearly growth, for the schedule only%

Your 2026 RMD $0

General information, not tax or financial advice. Confirm with your custodian or a tax professional.

How this figure was found

Year by year

Balances after this year assume the growth rate you set; the divisors do not depend on it.

Year	Age	Divisor	Start balance	Required

Your first RMD year, by birth year

The SECURE 2.0 Act set the age in two steps. The age that counts is the one you reach on your birthday in that year, so someone born in December 1953 has a 2026 RMD.

Born	RMD age	First RMD year	First RMD due by
1951	73	2024	April 1, 2025
1952	73	2025	April 1, 2026
1953	73	2026	April 1, 2027
1954	73	2027	April 1, 2028
1955	73	2028	April 1, 2029
1956	73	2029	April 1, 2030
1957	73	2030	April 1, 2031
1958	73	2031	April 1, 2032
1959	73	2032	April 1, 2033
1960	75	2035	April 1, 2036
1961	75	2036	April 1, 2037
1962	75	2037	April 1, 2038
1963	75	2038	April 1, 2039
1964	75	2039	April 1, 2040
1965	75	2040	April 1, 2041

Born in 1960, you are 66 in 2026, so the calculator shows no RMD: the first is for 2035, the year you turn 75, and may wait until April 1, 2036. Born in 1953, you turn 73 in 2026; with $500,000 in the account on December 31, 2025, the Table III divisor at 73 is 26.5:

$500,000 ÷ 26.5 = $18,867.92

General information, not tax or financial advice. Confirm with your custodian or a tax professional. The tables are IRS Publication 590-B (2025), Appendix B.

Questions people ask next

Is the RMD age 73 or 75?

Both, by birth year: 73 for people born 1951 through 1959, and 75 for people born in 1960 or later.

Does the RMD age apply to an inherited IRA?

No. Heirs follow the beneficiary rules: most take yearly amounts or empty the account within 10 years, whatever their own age. See the inherited IRA rules.

Does a Roth IRA have an RMD age?

No. A Roth IRA has no RMD while its owner is alive. See Roth IRA RMDs.

What if I turn 73 in December?

You still reach 73 that year, so that year is your first RMD year. The first RMD may wait until April 1 of the next year.