The RMD only goes up from here — usually
Because the distribution period shrinks every year while your balance (hopefully) keeps growing, RMDs typically rise year over year in dollar terms even as the required percentage of your balance increases. Deciding between a traditional and Roth account before you reach this stage? See the Roth vs Traditional Calculator.
Frequently asked questions
When do RMDs start?
Under the SECURE 2.0 Act, the required beginning age is 73 for most people currently reaching that age (rising to 75 starting in 2033). Roth IRAs are exempt from RMDs during the original owner's lifetime — this only applies to traditional IRAs and pre-tax retirement accounts.
What is the Uniform Lifetime Table?
An IRS table that converts your age into a "distribution period" — your account balance divided by that number is your RMD. It assumes a hypothetical beneficiary ten years younger, and is the table almost everyone uses unless their sole beneficiary is a much-younger spouse.
What happens if I miss an RMD?
The IRS penalty is 25% of the amount not withdrawn on time (reduced to 10% if corrected promptly) — a very expensive mistake compared to just taking the distribution.
Last updated: June 2026