2026 RMD age lookup
RMD at Age 80: Factor 20.2, Formula, and a Worked Example (2026)
The Uniform Lifetime Table factor for age 80 is 20.2. Divide the prior Dec 31 tax-deferred balance by that factor to get the required withdrawal for a year the account owner turns 80.
Factor 20.2 at age 80
RMD = prior Dec 31 balance ÷ 20.2. This is the same Uniform Lifetime Table factor RMD Compass uses everywhere else on this site — nothing here is a separate estimate.
Source: IRS Publication 590-B, Table III.
Worked example: $500,000 balance
A 80-year-old with a $500,000 prior-year-end balance divides by 20.2: $500,000 ÷ 20.2 = $24,752.48, computed to the cent.
Educational estimate, not tax advice. Verify with a qualified tax professional.
Eligibility at age 80
Age 80 is not a first-RMD age for any birth-year cohort. By 80, an owner whose applicable age was 73 has already taken roughly seven annual RMDs, and an owner whose applicable age was 75 has taken about five — the April 1 first-year exception does not apply here.
Source: Congressional Research Service — SECURE 2.0 RMD age schedule.
Deadline at age 80
Dec 31 of the year you turn 80 is the only deadline that applies. There is no April 1 exception at this age; that exception is limited to an owner's first RMD year.
What changes at age 80
One row up, at 79, the factor is larger (21.1). One row down, at 81, the factor is smaller (19.4) and the required withdrawal on the same balance is larger. The required share of the balance keeps rising every year — roughly 4.7% at 79, 4.95% at 80, and 5.15% at 81 — which is why later-year RMDs carry more tax-bracket and Medicare IRMAA-threshold risk on the same account balance than early ones.
| Age | Factor |
|---|---|
| 79 | 21.1 |
| 80 | 20.2 |
| 81 | 19.4 |
Source: IRS Publication 590-B, Table III. Full table on /rmd-table.
Plain-language answers
RMD at age 80: questions
What is the RMD factor at age 80?
20.2. Divide the prior Dec 31 account balance by 20.2 for the required withdrawal in a year the owner's age is 80.
Does the April 1 deadline apply at age 80?
No. The April 1 exception applies only to an owner's first RMD year. By 80, every RMD — including this one — is due Dec 31 of its own year.
How much is an RMD at age 80 on a $500,000 balance?
$500,000 ÷ 20.2 = $24,752.48, computed to the cent.