What Is the Required Minimum Withdrawal (RMD) Age and Calculation for a 401(k)?

Learn when you must start taking RMDs from your 401(k) and how to calculate them using the IRS Uniform Lifetime Table.

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The required minimum withdrawal (RMD) from a 401(k) begins at age 72. Calculate RMDs using the IRS Uniform Lifetime Table, which factors in your age and account balance. Consult your plan administrator to understand specific requirements and ensure compliance.

FAQs & Answers

  1. At what age must you start taking required minimum distributions (RMDs) from a 401(k)? You must begin taking RMDs from your 401(k) starting at age 72.
  2. How do you calculate the required minimum withdrawal from a 401(k)? The RMD is calculated by dividing your 401(k) account balance by the IRS Uniform Lifetime Table factor based on your age.
  3. Can I avoid taking required minimum withdrawals from my 401(k)? Generally, you must take RMDs starting at age 72, but certain exceptions apply if you are still working and do not own more than 5% of the company sponsoring the plan.

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