What percentage of my IRA do I have to withdraw at 73, 75 and 80?

At age 73 the IRS divisor is 26.5, so the required withdrawal is 3.77% of your prior year-end balance. At 75 the divisor is 24.6, which is 4.07%. At 80 the divisor is 20.2, which is 4.95%. The percentage is simply 1 divided by the divisor, and it rises every year because the divisor falls.

Is the RMD a percentage or a divisor?

The IRS publishes a divisor, not a percentage. The Uniform Lifetime Table gives a distribution period for each age, and your RMD is your prior December 31 balance divided by that number. The percentage everyone looks for is derived from it: percentage = 1 divided by the divisor. Both columns are in the chart on this page so you do not have to do the division yourself.

What happens if I do not take my RMD?

The shortfall — the amount you should have withdrawn but did not — is subject to a 25% excise tax. The SECURE 2.0 Act reduced that from the previous 50%, and it drops further to 10% if you withdraw the missed amount and file the correction return within the correction window the Act allows. Withdrawing the shortfall as soon as you notice it is what starts that clock.

Does the RMD percentage change every year?

Yes. The divisor falls with age, so the required percentage climbs: 3.77% at 73, 4.07% at 75, 4.95% at 80, 6.25% at 85, and 8.20% at 90. That rising percentage is applied to a balance that is also changing, so the dollar amount can grow faster than the percentage alone suggests.

RMD Percentage by Age Chart 2026 (Printable) + Calculator

The IRS publishes a divisor, not a percentage — so this chart shows both (Publication 590-B, Table III, checked 2026-09-10). For every age from 73 upward you get the 2026 Uniform Lifetime Table divisor and the share of your prior year-end balance it forces you to withdraw. At 73 that share is 3.77%; at 75 it is 4.07%; at 80, 4.95%.

Percentages are computed as 1 ÷ divisor and rounded to two decimals · RMDs start at age 73 (born 1951–1959) or 75 (born 1960 or later) under SECURE 2.0

What is my RMD percentage and dollar amount?

Enter your age at the end of 2026 and your balance on December 31, 2025.

Your age at year-end 2026 Balance on Dec 31, 2025 ($)

Withdrawal percentage

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IRS divisor for this age

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Your 2026 RMD

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Paid tool · free preview of this yearPlan conversions before and around these RMDs in the Roth Conversion Planner, with your age and balance filled in →

Paid tool The percentage rises every year, and it is applied to whatever the balance happens to be — so the years before your first RMD are the last ones in which that balance is still yours to change. The Roth Conversion Planner turns this into a schedule: how much to convert in each year from now to your plan end age, with the federal and state tax it costs, the IRMAA tier that year’s MAGI sets two years later, and the ACA subsidy it affects — set beside the same years with no conversions at all, and downloadable as a PDF you keep. A planning tool, not advice: the numbers move when your assumptions do.

What that schedule looks like: three of the 11 rows we get for an example household — age 62, single, Ohio, $1,900,000 traditional, planning to 73. Made-up numbers, not yours.
Age	Conversion	MAGI	Federal tax	State tax
65	$50,516	$62,600	$3,636	$1,228
66	$62,600	$62,600	$5,086	$1,228
67	$24,600	$37,260	$2,045	$0

See the full ages 62–72 example, with IRMAA and ACA subsidy → Build my conversion schedule — Personal PRO ($49) → See what is included, and price this year free, first →

Next decision: Will a withdrawal this size push you into a Medicare surcharge? — check the RMD → IRMAA interaction →

Estimate your 2026 return

The return you file in early 2027 is for tax year 2026. Free calculators:

2026 tax return calculator for retirees — your federal and state refund or amount owed with Social Security, IRA and 401(k) withdrawals, pensions and Roth conversions.
Retiree withholding calculator — how much federal tax to withhold from your pension, IRA and Social Security (Forms W-4P, W-4R and W-4V).
Senior deduction calculator — how much of the new deduction for filers aged 65 and older you keep after the income phase-out.
2026 Return Preview — what you owe or get back on your 2026 federal and state returns, with Social Security, IRA withdrawals, pensions and Roth conversions; free, with the line-by-line return in the Tax Season Pass.

Your 2026 RMD after tax

An RMD is taxable income in the year you take it (IRC §408(d)(1)): the table gives the amount, this panel the part you keep. Example: single, 75, North Carolina, $30,000 of Social Security and a $12,000 pension. A $500,000 balance gives a 2026 RMD of $20,325; it adds $2,635 of federal and $781 of North Carolina tax (NC rules), so $16,909 is left, 16.8% of the RMD gone to tax.

Your age on Dec 31, 2026 Balance on Dec 31, 2025 ($) Filing status State Social Security received in 2026 ($) Pension or annuity ($)

Example — enter your numbers

The RMD is one line of your 2026 return. With your Social Security, pension, other income and what was withheld, the whole return ends in a refund or an amount owed: 2026 tax return calculator (free: your federal and state refund or amount owed) →

An estimate from QuantCalc’s open tax engine (federal 2.5.1, state 1.21.2) for the 2026 tax year. Not tax advice: your return depends on facts this page does not ask about, so check a move with your tax preparer or custodian before acting. How the engine computes each line, with its official source: federal, state.

RMD Percentage by Age — 2026 IRS Uniform Lifetime Table

RMD = prior year-end balance ÷ divisor. Percentage = 1 ÷ divisor. Source: quantcalc.app/rmd-percentage-by-age/

RMD percentage by age — full chart

Read across from your age: the middle column is the IRS distribution period (the divisor), the right-hand column is the same thing expressed as the percentage of your balance you must take out. Example: $500,000 at age 75 ÷ 24.6 = $20,325, which is 4.07% of the balance.

Prints as a clean one-sheet reference — no navigation, no buttons.

RMD percentage and IRS divisor by age — 2026 Uniform Lifetime Table
Age	IRS divisor (distribution period)	RMD percentage of balance
73	26.5	3.77%
74	25.5	3.92%
75	24.6	4.07%
76	23.7	4.22%
77	22.9	4.37%
78	22.0	4.55%
79	21.1	4.74%
80	20.2	4.95%
81	19.4	5.15%
82	18.5	5.41%
83	17.7	5.65%
84	16.8	5.95%
85	16.0	6.25%
86	15.2	6.58%
87	14.4	6.94%
88	13.7	7.30%
89	12.9	7.75%
90	12.2	8.20%
91	11.5	8.70%
92	10.8	9.26%
93	10.1	9.90%
94	9.5	10.53%
95	8.9	11.24%
96	8.4	11.90%
97	7.8	12.82%
98	7.3	13.70%
99	6.8	14.71%
100	6.4	15.63%
101	6.0	16.67%
102	5.6	17.86%
103	5.2	19.23%
104	4.9	20.41%
105	4.6	21.74%
106	4.3	23.26%
107	4.1	24.39%
108	3.9	25.64%
109	3.7	27.03%
110	3.5	28.57%
111	3.4	29.41%
112	3.3	30.30%
113	3.1	32.26%
114	3.0	33.33%
115	2.9	34.48%
116	2.8	35.71%
117	2.7	37.04%
118	2.5	40.00%
119	2.3	43.48%
120 and older	2.0	50.00%

Born in 1950 or earlier? Your RMDs began at age 72, where the divisor is 27.4 and the percentage is 3.65%. Age 120 is the last row in the table; its divisor applies at 120 and above.

Prefer the divisor-first version? It is on the 2026 RMD Uniform Lifetime Table page, with a CSV download. The same figures are published as a machine-readable dataset (JSON + CSV).

Embed this table on your site — free

Free for editorial use on any site, commercial included. No signup and no key — keep the credit line under the frame, which is a plain link back to this page. Live preview and the other twelve widgets →

<iframe src="https://quantcalc.app/embed/data/rmd-percentage/"
        width="100%" height="520"
        style="border:0;max-width:760px;display:block;margin:1.5em auto;"
        title="RMD percentage by age"
        loading="lazy"></iframe>
<p style="font:13px/1.5 sans-serif;text-align:center;margin:.5em 0 1.5em;">Data: <a href="https://quantcalc.app/rmd-percentage-by-age/">QuantCalc — quantcalc.app/rmd-percentage-by-age/</a></p>

Why the IRS gives you a divisor instead of a percentage

The Uniform Lifetime Table is a life-expectancy table. For each age it gives a distribution period — roughly the number of years the account is expected to be spread over — and the rule is to divide your prior December 31 balance by that number. Turning it into a percentage is one step of arithmetic: percentage = 100 ÷ divisor. Because the distribution period shrinks as you age, the percentage rises: 3.77% at 73, 4.95% at 80, 6.25% at 85, 8.20% at 90.

Two consequences worth planning around. First, the percentage is applied to whatever the balance happens to be, so a strong market year raises next year's required withdrawal. Second, the withdrawal is ordinary income, which means it lands on top of Social Security and pensions — it can raise the taxable share of your benefits and push your income across an IRMAA threshold two years later.

The years before your start age are the window where the size of every future RMD is still under your control, because the required amount is driven by the balance. Anything that shrinks the pre-tax balance early — Roth conversions, qualified charitable distributions, voluntary withdrawals — reduces every RMD that follows. The RMD age calculator tells you how many of those years you have left.

Common questions

What percentage of my IRA do I have to withdraw at 73, 75 and 80?: At age 73 the IRS divisor is 26.5, so the required withdrawal is 3.77% of your prior year-end balance. At 75 the divisor is 24.6, which is 4.07%. At 80 the divisor is 20.2, which is 4.95%. The percentage is simply 1 divided by the divisor, and it rises every year because the divisor falls.
Is the RMD a percentage or a divisor?: The IRS publishes a divisor, not a percentage. The Uniform Lifetime Table gives a distribution period for each age, and your RMD is your prior December 31 balance divided by that number. The percentage everyone looks for is derived from it: percentage = 1 divided by the divisor. Both columns are in the chart on this page so you do not have to do the division yourself.
What happens if I do not take my RMD?: The shortfall — the amount you should have withdrawn but did not — is subject to a 25% excise tax. The SECURE 2.0 Act reduced that from the previous 50%, and it drops further to 10% if you withdraw the missed amount and file the correction return within the correction window the Act allows. Withdrawing the shortfall as soon as you notice it is what starts that clock.
Does the RMD percentage change every year?: Yes. The divisor falls with age, so the required percentage climbs: 3.77% at 73, 4.07% at 75, 4.95% at 80, 6.25% at 85, and 8.20% at 90. That rising percentage is applied to a balance that is also changing, so the dollar amount can grow faster than the percentage alone suggests.

Data source. Divisors are the IRS Uniform Lifetime Table (Treas. Reg. §1.401(a)(9)-9, in effect since 2022) as implemented in the QuantCalc retirement engine for ages 72–120. The percentage column is computed as 1 ÷ divisor, not transcribed. Start ages follow SECURE 2.0: 73 for birth years 1951–1959, 75 for 1960 and later.

One year of RMDs is the easy part

The percentage on this chart repeats for the rest of your life, on a balance that keeps moving, alongside Social Security, pensions and Medicare premiums. Run the whole sequence — every RMD year, the tax it triggers and the IRMAA tier it lands in — across thousands of possible futures.

Run the free tax-aware simulation →

This page is a reference chart for educational purposes and is not tax or financial advice. Verify current figures against official IRS publications (IRS Pub. 590-B) before acting.