{"id":1602,"date":"2026-08-27T10:14:21","date_gmt":"2026-08-27T10:14:21","guid":{"rendered":"https:\/\/www.usataxhelp.com\/en\/?p=1602"},"modified":"2026-08-27T10:14:26","modified_gmt":"2026-08-27T10:14:26","slug":"does-age-73-in-2026-require-rmd","status":"publish","type":"post","link":"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/","title":{"rendered":"DOES AGE 73 in 2026 REQUIRE RMD?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You must start RMD at age 73 in 2026\u2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But you can elect to delay the 2026 into 2027\u2026 so you would have 2 rmd payouts in 2027\u2026. Generally not a good idea if it puts you in a higher marginal bracket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7&nbsp;&nbsp;<strong>First Deadline:<\/strong>&nbsp;You can take your first RMD during the year you turn 73 or delay it until April 1 of the following year (April 1, 2027).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00b7&nbsp;&nbsp;<strong>Double Distribution Warning:<\/strong>&nbsp;Delaying your first RMD to 2027 means you must take two RMDs in 2027\u2014the delayed one from 2026 and the regular one for 2027<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RMD amount is calculated based on 12.31.25 Balances in your qualified plans (qualified means you got some sort of deduction when money was put in).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">401k, IRA, Simple IRA, SEP\u2026.. those kind of plans\u2026..<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does NOT include annuities nor Roth\u2019s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Formula:<\/strong>&nbsp;Divide your December 31, 2025 account balance by the&nbsp;<strong>Distribution Period<\/strong>&nbsp;(life expectancy factor) matching your 2026 age.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"664\" height=\"241\" src=\"https:\/\/www.usataxhelp.com\/wp-content\/uploads\/2026\/08\/RMD.png\" alt=\"\" class=\"wp-image-1603\" srcset=\"https:\/\/www.usataxhelp.com\/wp-content\/uploads\/2026\/08\/RMD.png 664w, https:\/\/www.usataxhelp.com\/wp-content\/uploads\/2026\/08\/RMD-300x109.png 300w\" sizes=\"auto, (max-width: 664px) 100vw, 664px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">So, if 12.31.25 qualified balances total $500,000 divided by 26.5 = $18,698<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a dozen different qualified accounts you do NOT have to pay from each\u2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can pay from 1 account for the total RMD required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Clear as mud?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You must start RMD at age 73 in 2026\u2026. But you can elect to delay the 2026 into 2027\u2026 so you would have 2 rmd payouts in 2027\u2026. Generally not a good idea if it puts you in a higher marginal bracket. \u00b7&nbsp;&nbsp;First Deadline:&nbsp;You can take your first RMD during the year you turn 73 [&#8230;]<\/p>\n<p><a class=\"understrap-read-more-link\" href=\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\">Read More&#8230;<span class=\"screen-reader-text\"> from DOES AGE 73 in 2026 REQUIRE RMD?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,12,15,17,1],"tags":[],"class_list":["post-1602","post","type-post","status-publish","format-standard","hentry","category-general","category-income-tax","category-30-newsletter-topics","category-retirement-accounts","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.10 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DOES AGE 73 in 2026 REQUIRE RMD? - USA Tax Help<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DOES AGE 73 in 2026 REQUIRE RMD? - USA Tax Help\" \/>\n<meta property=\"og:description\" content=\"You must start RMD at age 73 in 2026\u2026. 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Generally not a good idea if it puts you in a higher marginal bracket. \u00b7&nbsp;&nbsp;First Deadline:&nbsp;You can take your first RMD during the year you turn 73 [...]Read More... from DOES AGE 73 in 2026 REQUIRE RMD?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\" \/>\n<meta property=\"og:site_name\" content=\"USA Tax Help\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-27T10:14:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-27T10:14:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.usataxhelp.com\/wp-content\/uploads\/2026\/08\/RMD.png\" \/>\n<meta name=\"author\" content=\"LONYOUNG\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"LONYOUNG\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\"},\"author\":{\"name\":\"LONYOUNG\",\"@id\":\"https:\/\/www.usataxhelp.com\/en\/#\/schema\/person\/42e3184ba509e75d345d3e43f1dff839\"},\"headline\":\"DOES AGE 73 in 2026 REQUIRE RMD?\",\"datePublished\":\"2026-08-27T10:14:21+00:00\",\"dateModified\":\"2026-08-27T10:14:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\"},\"wordCount\":190,\"publisher\":{\"@id\":\"https:\/\/www.usataxhelp.com\/en\/#organization\"},\"articleSection\":[\"General\",\"Income Tax\",\"Newsletter Topics\",\"Retirement Accounts\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\",\"url\":\"https:\/\/www.usataxhelp.com\/en\/our-tax-blog-at-wwwirstaxtalkcom\/general\/does-age-73-in-2026-require-rmd\/\",\"name\":\"DOES AGE 73 in 2026 REQUIRE RMD? 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But you can elect to delay the 2026 into 2027\u2026 so you would have 2 rmd payouts in 2027\u2026. Generally not a good idea if it puts you in a higher marginal bracket. \u00b7&nbsp;&nbsp;First Deadline:&nbsp;You can take your first RMD during the year you turn 73&hellip;","_links":{"self":[{"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/posts\/1602","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/comments?post=1602"}],"version-history":[{"count":1,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/posts\/1602\/revisions"}],"predecessor-version":[{"id":1604,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/posts\/1602\/revisions\/1604"}],"wp:attachment":[{"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/media?parent=1602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/categories?post=1602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usataxhelp.com\/en\/wp-json\/wp\/v2\/tags?post=1602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}