A $3M Pretax 401(k) Forces a $113,000 Annual Withdrawal at 75
RMDs from a $3M pretax 401(k) start at $113,000 at age 75 and grow each year, potentially triggering the 32% tax bracket and IRMAA surcharges.
Topic
RMDs
Required Minimum Distributions — when they start, the IRS Uniform Lifetime Table, aggregation rules, inherited IRA 10-year rule, and the first-RMD timing trap.
Key Facts — 2026
- RMD start age
- 73
- Age 75 start year
- 2033
- Penalty for missed RMD
- 25%
- Age 73 divisor
- 26.5
7 articles
All current for 2026. All free. No email required.
RMDs
RMDs
RMD Life Expectancy Table: Why Age 75 Forces a 3.77% Withdrawal
The IRS Uniform Lifetime Table determines your annual required minimum distribution
RMDs
Roth 401(k)s Now Match Roth IRAs: $0 RMDs for Life
SECURE Act 2.0 eliminated required distributions from Roth 401(k)s starting in
RMDs
A $500,000 Inherited IRA Could Trigger $178,000 in Taxes by Year 10
Non-spouse beneficiaries must empty inherited IRAs within 10 years under SECURE Act
RMDs
Missing a $40,000 RMD Could Cost You $10,000 in IRS Penalties
A missed RMD triggers a 25% excise tax—one of the IRS's steepest penalties. Learn how to avoid it, fix mistakes, and potentially get the penalty waived.
RMDs
A $500K IRA + $300K 401(k) = Two Separate RMD Calculations
The IRS lets you aggregate some RMDs but not others — a mistake could trigger
RMDs
RMD Age Jumps to 75 by 2033 — Here's Your Timeline
The SECURE Act 2.0 phases in later Required Minimum Distributions based on your birth