- 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.
