WealthRabbit Support

Are there any RMD (Required Minimum Distribution) changes in 2026?

No new RMD changes take effect in 2026. The relevant provisions are:

• No new change begins in 2026, but earlier changes still apply:

• The RMD age is now 73 (since 2023) and will increase to 75 in 2033.
   
• If you were born in 1953, your first RMD is due April 1, 2026 (you turn 73 in 2025).
   
• RMD penalties are reduced to 25% (or 10% if corrected promptly).
   

Roth accounts in employer plans are exempt from RMDs starting 2024