topic RMD Order in Retirement tax questions

RMD Order

Michelle657 — Tue, 24 Feb 2026 06:52:49 GMT

I have several tax-advantaged accounts. Is my yearly RMD based on the total of the combined tax-advantaged accounts?

Re: RMD Order

John-H2021 — Wed, 26 Jul 2023 16:35:26 GMT

Hello Michelle,

To calculate your RMD, divide your year-end account balance from the previous year by the IRS life-expectancy factor based on your birthday in the current year. If you own multiple Accounts, you need to calculate the RMD for each account, but you can take the total RMD from just one account or any combination of accounts.

https://www.irs.gov/retirement-plans/rmd-comparison-chart-iras-vs-defined-contribution-plans

Re: RMD Order

dmertz — Wed, 26 Jul 2023 19:14:00 GMT

Your traditional IRA RMDs can be aggregated and taken from any of your traditional IRA accounts. Similarly, 403(b) RMDs can be aggregated and taken from any of your 403(b) accounts. No other aggregation is permitted. The RMD for a particular 401(k), 457(b) or the federal TSP must be taken from the particular account.