{
 "protocol": "verified-facts/0.3",
 "key": "us/retirement/rmd-applicable-age-by-birth-year",
 "label": "RMD applicable age by date of birth (the 1959 row is reserved in the final regulations; the proposed value is shown separately)",
 "value": [
  {
   "bornBefore": "1949-07-01",
   "applicableAge": 70.5
  },
  {
   "bornFrom": "1949-07-01",
   "bornBefore": "1951-01-01",
   "applicableAge": 72
  },
  {
   "bornFrom": "1951-01-01",
   "bornBefore": "1959-01-01",
   "applicableAge": 73
  },
  {
   "bornFrom": "1959-01-01",
   "bornBefore": "1960-01-01",
   "applicableAge": null,
   "proposedApplicableAge": 73,
   "status": "reserved in 26 CFR 1.401(a)(9)-2(b)(2)(v); age 73 is proposed, not final"
  },
  {
   "bornFrom": "1960-01-01",
   "applicableAge": 75
  }
 ],
 "unit": "years of age by date of birth",
 "period": "2026",
 "effectiveFrom": "2023-01-01",
 "effectiveTo": null,
 "source": "https://www.ecfr.gov/current/title-26/section-1.401(a)(9)-2",
 "quote": "(iv) In the case of an employee born on or after January 1, 1951, but before January 1, 1959, the applicable age is age 73; (v) [Reserved]; (vi) In the case of an employee born on or after January 1, 1960, the applicable age is age 75.",
 "verifiedDate": "2026-10-31",
 "nextScheduledRefresh": "2026-11-01",
 "changeCadence": "annual",
 "nextExpectedChange": "2027-01-01",
 "sourceCheckedAt": "2026-11-02",
 "status": "fresh",
 "ageDays": 6,
 "maxAgeDays": null,
 "scope": "Cost-of-living adjusted limits under § 415(d) and related sections; effective 1 January 2026.",
 "hash": "sha256:b41b5c0e05a86ee3976a3f95c193e63173bc85ff5cb5d1b8390cd24e9aa56024",
 "signature": {
  "alg": "EdDSA",
  "kid": "db-2026-10",
  "jws": "eyJhbGciOiJFZERTQSIsImtpZCI6ImRiLTIwMjYtMTAifQ..mjZ41YQRpFVh1rHAxffZiGXFnEqyqUdXJZPBF-9E3x2Z8YUSl85Nux8RuQ0WgmecVqSDkkEdX-eTAxabBuTVCg",
  "keys": "https://databutler.dev/.well-known/jwks.json"
 },
 "publisher": {
  "name": "Data Butler",
  "url": "https://databutler.dev/"
 },
 "cite": {
  "url": "https://databutler.dev/facts/us/retirement/rmd-applicable-age-by-birth-year",
  "text": "databutler.dev, verified 2026-10-31 against https://www.ecfr.gov/current/title-26/section-1.401(a)(9)-2"
 }
}