The amount you must withdraw each year from traditional IRAs and most workplace retirement plans starting at age 73 (75 for those born in 1960 or later). Withdrawals are ordinary income, and missing one costs a 25 percent penalty on the shortfall.
RMDs can push retirees into a higher bracket, raise Medicare premiums, and make more Social Security taxable. Roth conversions before RMD age and qualified charitable distributions after are the main ways to manage them.
No, not for the original owner. Inherited Roth IRAs have their own withdrawal rules, generally a 10-year window.
Source: IRC 401(a)(9); IRS Publication 590-B
Last reviewed September 17, 2026. Tax rules change; confirm current law before acting.
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