RMD timing

jf313 — Wed, 11 Feb 2026 09:52:15 GMT

Are the taxes on RMDs more if taken monthly vs. once a year?

Re: RMD timing

marctu — Wed, 26 Jun 2024 22:56:22 GMT

Since RMD is calculated for a full tax year, it should not make a difference if you take the RMD in a lump sum during the tax year or if you take it on a monthly, quarterly or something else. Since the sum of the smaller payments during the tax year equal the RMD amount if it was done in a lump sum, the income and the tax would be the same.

Thanks again for the question @jf313

All the best,

Marc

Employee Tax Expert

topic RMD timing in Retirement tax questions

RMD timing

Re: RMD timing