RMD

Dzeleski · ‎December 11, 2025

I turn 73 06-13-2026. Do I need to take the full rmd in 2026? I understand I can wait till April of 2027 but don’t want 2 rmds in the same year. Can I start taking my rmd in January1, 2026 monthly for the year 2026? Should I take my full rmd from June to Dec. of 2026?

Opus 17

An RMD is not a special transaction, it is just the minimum amount you must withdraw over the course of the year, based on your age and the size of the account. For example, if your RMD was $5000, you could satisfy that by withdrawing $5000 in a single transaction, but you would also satisfy it if you withdrew $500 per month x 12 months for living expenses.

You can withdraw from your IRA or other plan any time you want for any reason. You will pay regular income tax on whatever you withdraw. You can certainly withdraw money during 2026 and any amount you withdraw will count toward your RMD requirement. You can withdraw before or after you turn 73, the only thing that counts is that the 1099-R for 2026 shows a total withdrawal amount that is equal or more than your RMD amount for 2026.

Although you are allowed to delay your first withdrawal until 4/15/27, you would have to satisfy both your 2026 and 2027 RMDs in 2027. If you withdraw enough in 2026 to cover your 2026 RMD (or more) then in 2027 you only have to cover the 2027 RMD.

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Opus 17

An RMD is not a special transaction, it is just the minimum amount you must withdraw over the course of the year, based on your age and the size of the account. For example, if your RMD was $5000, you could satisfy that by withdrawing $5000 in a single transaction, but you would also satisfy it if you withdrew $500 per month x 12 months for living expenses.

You can withdraw from your IRA or other plan any time you want for any reason. You will pay regular income tax on whatever you withdraw. You can certainly withdraw money during 2026 and any amount you withdraw will count toward your RMD requirement. You can withdraw before or after you turn 73, the only thing that counts is that the 1099-R for 2026 shows a total withdrawal amount that is equal or more than your RMD amount for 2026.

Although you are allowed to delay your first withdrawal until 4/15/27, you would have to satisfy both your 2026 and 2027 RMDs in 2027. If you withdraw enough in 2026 to cover your 2026 RMD (or more) then in 2027 you only have to cover the 2027 RMD.