Do Roth IRAs have RMDs?

No, not while the owner is alive. A Roth IRA owner never has to take an RMD, at any age. RMDs start only after the owner dies: most heirs must empty the account within 10 years, and some take yearly amounts.

The tool is set to a Roth IRA owner aged 76. Switch to "I inherited it" to see an heir's rule.

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

Owner, spouse and heir

Owner: no RMD. A traditional IRA of the same owner, born in 1950, would require $200,000 ÷ 23.7 = $8,438.82 for 2026; the Roth requires nothing.
Surviving spouse who treats it as their own: no RMD, as an owner.
Other heirs: the account must be empty by December 31 of the 10th year after the death, with no yearly amount; an eligible designated beneficiary takes yearly amounts instead. See inherited Roth IRA RMDs.

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

Do Roth 401(k) accounts have RMDs?

Not for the owner since 2024: designated Roth accounts in a 401(k) or 403(b) plan no longer have RMDs while the participant is alive.

Does my RMD age matter for a Roth IRA?

No. It matters only for traditional IRAs and plans. See RMD age by birth year.

Can I take money from a Roth IRA to satisfy a traditional IRA's RMD?

No. Each traditional IRA's RMD comes out of traditional IRAs.