At What Age Do RMDs Stop?

Required Minimum Distributions (RMDs) are a fact of life for retirement account holders, but many wonder if there’s ever a point when these mandatory withdrawals come to an end. The simple answer is that RMDs from traditional IRAs and most retirement plans never stop during your lifetime. Once you reach the age trigger (currently 73, increasing to 75 by 2033), you must continue taking these distributions annually for as long as you live. Understanding the perpetual nature of RMDs helps you better prepare for long-term tax implications and ensures you avoid the substantial penalties that come with missed distributions—regardless of how old you are.

You may want to work with a professional financial advisor to help you make a retirement withdrawal strategy that works for you.

What Are Required Minimum Distributions?

A required minimum distribution is the minimum amount that you must withdraw each year from certain tax-advantaged retirement accounts. This law mostly applies to pre-tax accounts like 401(k) and IRA plans. You do not have to make minimum withdrawals from Roth IRAs, although, in an exception to this rule, you do have to take minimum distributions from Roth 401(k)s.

The IRS requires minimum distributions as a way to ensure that you pay taxes eventually. Pre-tax accounts represent a basket of money on which you have never paid either income or capital gains taxes. For some retirees, particularly wealthier ones, without an RMD, they could sit on this money indefinitely and eventually hand it down to their heirs tax-free. (For more information on how this would work, see our articles on the step-up loophole.)

This is why the IRS does not require minimum distributions from Roth IRAs. Since a Roth IRA is a post-tax retirement account, you have already paid income taxes on the money and the IRS doesn’t need to ensure that you make withdrawals.

How Much Are Required Minimum Distributions?

The specific amount that you must withdraw varies based on both your age and the value of your retirement account. The IRS lists this in Publication 590. In it, you can look up your current age and find a life expectancy factor based on that age. You divide the value of your retirement account by that life expectancy factor to figure out how much you must withdraw.

Required minimum distributions are annual, meaning that you can structure these withdrawals as you see fit over the year, but must have met the minimum amount by December 31. If you do not, the IRS will charge you a tax penalty. This penalty is typically set at 50% of the difference between what you withdrew and what you should have withdrawn.

For example, say that you have a life expectancy factor of 10 and $60,000 in your retirement account. You must withdraw at least $6,000 by the end of the year. If instead, you only take out $5,000, the IRS will charge you a $2,500 fee.

It’s important for investors to note that they do not have to keep this money in cash. You can reinvest this money into a private investment portfolio if you don’t need to spend it.

When Do Required Minimum Distributions Begin?

The start date for required minimum distributions has been rolled back a few times over the years, most recently with the SECURE 2.0 Act. If you turned 72 during or before the year 2022, you must begin taking required minimum distributions from qualifying retirement accounts on the later of either:

On April 1 the year after you turn 72
For workplace plans, April 1 of the year after you retire

As of the time of writing, the RMD age sits at 73. This means that if you turn 72 you must begin taking required minimum distributions from qualifying retirement accounts on the later of either:

On April 1 the year after you turn 73
Or, for workplace plans, April 1 of the year after you retire

This cutoff age will step up over the next 10 years, reaching age 75 in 2033.

For example, say that Elizabeth is currently retired and turns 73 in October 2025. She must begin taking minimum distributions from her qualified retirement accounts beginning on April 1, 2026. On the other hand, say that she is still working. In that case, the same rule will apply to her IRA, but she can defer making withdrawals on her 401(k) until the year after she retires.

When Do Required Minimum Distributions Stop?

Required minimum distributions do not stop. There is no maximum age for this rule, nor do payments phase out on any other basis aside from finances. Your required minimum distributions are based on an account’s underlying assets, meaning that if a retirement account runs out of money, you will no longer have any associated withdrawal requirements.

Also, note that each category of retirement account is treated separately for RMD requirements. For example, if you have both a 401(k) and an IRA, you will need to calculate and make minimum withdrawals from each account. The amount of money you withdraw from your 401(k) will not apply to the RMD for your IRA. However, if you have multiple IRA accounts, you can withdraw the total amount owed from a single portfolio.

Finally, if you fail to make minimum withdrawals, the IRS will sometimes waive its penalty fees if you can show that the shortfall was due to “reasonable error” and that you are correcting it. However, you cannot use excess withdrawals from a past year to satisfy your RMD requirements for a future year.

Bottom Line

There is no maximum age for required minimum distributions. For any retirement account that qualifies, you must continue to take these withdrawals indefinitely. This is an important piece of the puzzle to factor into any retirement withdrawal strategy so that you can be prepared for the entirety of your life. While the distributions themselves don’t cease, how you manage them can evolve. Some retirees are surprised to learn that these requirements continue indefinitely, having assumed there might be an age when the IRS no longer requires withdrawals.

Retirement Planning Tips

A financial advisor can help you manage your wealth or build for retirement but they can also help create a plan for withdrawals once you get there. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
If the IRS sets your minimum distributions, it’s important to plan for the kind of distributions you want to take from your portfolio.