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RMD Table 2027: The Same Uniform Lifetime Divisors, Unchanged Since 2022

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How to use the tableWhat’s actually different in 2027: the age, not the tableSources

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Updated August 10, 2026. Quick answer. The 2027 RMD table is the same table already in effect — the IRS’s Uniform Lifetime Table divisors have not changed since they were updated effective 2022. Unlike COLA, IRMAA, or the 401(k) limit, there is no annual projection to make here: barring a new IRS regulation, 2027’s required-minimum-distribution divisors are already known today.

How to use the table

Find your age as of the end of the distribution year in the Uniform Lifetime Table (used by the vast majority of account owners — a different table applies if your sole beneficiary is a spouse more than 10 years younger). Divide your account balance as of December 31 of the prior year by the divisor at your age to get your required minimum distribution for the year.

AgeDivisorAgeDivisor
7326.58516.0
7425.58615.2
7524.68714.4
7623.78813.7
7722.98912.9
7822.09012.2
7921.19111.5
8020.29210.8
8119.49310.1
8218.5949.5
8317.7958.9
8416.8968.4

This is a partial table for the most commonly searched ages. The full IRS Uniform Lifetime Table runs from age 73 through 120+.

Required minimum distribution as a percentage of the prior year’s closing balance, ages 73 to 96A rising curve with one point for each of the 24 ages this page publishes. Dividing the December 31 balance by the Uniform Lifetime Table divisor is the same as withdrawing that percentage of it: 3.8% at age 73, 5.0% at age 80, 6.2% at 85, 8.2% at 90, and 11.9% at age 96. Every point is 100 divided by the divisor in the table above.What the divisor actually meanseach divisor, drawn as a withdrawal rateUniform Lifetime Table · ages 73–960%3%6%9%12%age 73788490963.8% at 7311.9% at 96Clear Money Guide · 26 CFR §1.401(a)(9)-9 · CC BY 4.0
A divisor is a withdrawal rate wearing a disguise. Dividing your December 31 balance by 26.5 is the same as taking 3.8% of it, which is what this curve plots: one point for each of the 24 rows in the table above, at 100 divided by that row’s divisor. The rate roughly triples across the run — 3.8% at 73, 6.2% at 85, 11.9% at 96 — which is the part a lookup table hides: the required withdrawal grows as a share of a balance that is itself being drawn down. Ages 73–96 are the rows this page publishes. This is a minimum, not a plan, it is measured against last year’s closing balance rather than today’s, and it assumes the Uniform Lifetime Table applies — a different table is used when the sole beneficiary is a spouse more than ten years younger. Divisors are 26 CFR §1.401(a)(9)-9, Table 2 to Paragraph (c); every cell above was checked against it. CC BY 4.0.

The divisor gives you the minimum, not the plan

This table sets a floor: last year’s closing balance divided by the row for your age. What it cannot tell you is which account to draw from first, how the withdrawal lands against your bracket and your Medicare premiums, or whether some of it should go somewhere other than your bank account. An adviser can look at that before a December deadline decides it for you.

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What’s actually different in 2027: the age, not the table

The divisors don’t change — what changes person to person is which age applies. SECURE 2.0 raised the RMD starting age to 73 for those born 1951–1959, and to 75 for those born 1960 or later. If you’re turning the applicable starting age in 2027, your first RMD can be delayed until April 1, 2028 — but taking two RMDs in one calendar year (2028) has real tax consequences — two distributions stack in one year against a single set of bracket thresholds. See the first-RMD calculator for that specific timing decision.

The first-RMD timing choice: one distribution in each of 2027 and 2028, or both in 2028A calendar running from January 2027 to January 2029. Under option A the 2027 distribution is taken at any point during 2027 and the 2028 distribution during 2028, so one falls in each tax year. Under option B the 2027 distribution is deferred to the April 1, 2028 required beginning date, but the 2028 distribution is still due by December 31, 2028 — so both fall in tax year 2028.Two distributions, or one in each yearif 2027 is your first distribution yearthe deferral moves one payment, not bothOption A · take it in 20272027 RMD · any time in 20272028 RMD · by Dec 31, 2028Option B · defer to the deadline2027 RMD · by April 1, 20282028 RMD · by Dec 31, 2028April 1, 2028required beginning dateJan 2027Jan 2028Jan 2029Clear Money Guide · 26 CFR §§1.401(a)(9)-2, -5 · CC BY 4.0
Deferring the first distribution does not move the second one. 2027 is a distribution calendar year either way; what the April 1 rule buys is the option to pay it out late. Take it in 2027 and one distribution lands in each tax year. Defer it and the 2027 distribution lands in 2028 alongside the 2028 one, which is still due by December 31 — two taxable distributions in a single year, which is what stacks income into one bracket. The rule is 26 CFR §1.401(a)(9)-5(a)(3): the first distribution calendar year’s amount “may be made on or before April 1 of the following calendar year”, while any other year’s “must be made on or before the end of that distribution calendar year”. The dates drawn here follow the page’s own example of a first distribution calendar year of 2027; which year that is for you depends on your birth year, and the required beginning date can be later still for someone who is not a 5-percent owner and is still working. CC BY 4.0.

Two questions this table does not answer. Whether you can put the distribution off while you are still working, and whether sending it straight to a charity changes the tax result. Each has its own page: The Still-Working Exception to RMDs (2026), QCDs After 70½, and QCDs Start at 70½. RMDs Start at 73.

Sources

Treasury Regulation §1.401(a)(9)-9, as amended, effective for distribution calendar years beginning in 2022. No change to the Uniform Lifetime Table has been made since.

Every projected figure above is attributed to the organization that published it and is explicitly not yet announced by the government body that sets it. This page will be updated with the official figure the day it is announced, and the projection will be struck through rather than deleted, so the record of what was projected vs. what actually happened stays visible. See the full current-numbers register for every figure this site tracks, dated and sourced. General information, not tax or legal advice.

This table is the denominator; your birth year decides which row you are on, whether 2027 is your first distribution year, and which deadline applies. Compute your own 2027 RMD from your birth year and your December 31, 2026 balance.

An RMD is the table divisor applied to a balance, so the size of the balance is the whole of the answer. The retirement savings percentile calculator shows where a balance of any size sits among US households of the same age, computed from Federal Reserve survey microdata.

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