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RMD applicable age by date of birth (the 1959 row is reserved in the final regulations; the proposed value is shown separately)

[{"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}] years of age by date of birth

2026, from 2023-01-01 · verified 2026-10-31 against the official source · next expected change 2027-01-01

(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.
key
us/retirement/rmd-applicable-age-by-birth-year
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}] years of age by date of birth
period
2026
effective
2023-01-01 to date
source
https://www.ecfr.gov/current/title-26/section-1.401(a)(9)-2
verified
2026-10-31 — fresh (6 days ago; next check by 2026-11-01)
next expected change
2027-01-01 (annual: a fixed day each year)
source checked
2026-11-02 (the newest day the automated check fetched the source page)
scope
Cost-of-living adjusted limits under § 415(d) and related sections; effective 1 January 2026.
hash
sha256:b41b5c0e05a86ee3976a3f95c193e63173bc85ff5cb5d1b8390cd24e9aa56024
signature
EdDSA, key db-2026-10 — keys

As JSON

curl -s https://databutler.dev/f/us/retirement/rmd-applicable-age-by-birth-year?max_age=30d — schema; verify with npx verified-facts verify https://databutler.dev/f/us/retirement/rmd-applicable-age-by-birth-year

{
  "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"
  }
}