Beginning date for your first required minimum distribution

  • IRAs (including SEPs and SIMPLE IRAs)
    • April 1 of the year following the calendar year in which you reach age 70½, if you were born before July 1, 1949.
    • April 1 of the year following the calendar year in which you reach age 72, if you were born after Jun 30, 1949.
  • 401(k), profit-sharing, 403(b), or other defined contribution plan
    Generally, April 1 following the later of the calendar year in which you:
    • reach age 72 (age 70½ if born before July 1, 1949), or
    • retire (if your plan allows this).

See the chart comparing IRA and defined contribution plan RMDs.

  • required, minimum, distribution
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