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401(k) RMD 2026: $265,000 at age 73 = $10,000

Required minimum distribution from a 401(k) using the IRS Uniform Lifetime Table. Age 73 start.

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Required minimum distribution

$10,000.00

Uniform Lifetime Table divisor

26.5

RMD due this year?

Yes

Uses Table III ages 72–90. Does not cover a spouse more than 10 years younger, inherited accounts, or the 25% excise tax. Educational estimate, not tax advice.

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401(k) RMD 2026

The IRS requires minimum distributions from a 401(k) beginning the year you turn 73. The amount is last year’s December 31 balance divided by the Uniform Lifetime Table factor (Pub 590-B Table III).

RMD

RMD = prior-year-end balance ÷ Uniform Lifetime divisor

At age 73 the divisor is 26.5. Example: $265,000 ÷ 26.5 = $10,000.

Age 72 is not required. Roth 401(k) RMDs while the owner is alive were repealed for designated Roth accounts; this tool is for traditional balances.

Educational estimate. Not tax advice.

Related: 401(k) remaining room, paycheck take-home.