IRS Lifts RMD Age to 75 for 1960-Born Retirees Under SECURE 2.0
Updated
Updated · 24/7 Wall St. · Aug 24
IRS Lifts RMD Age to 75 for 1960-Born Retirees Under SECURE 2.0
3 articles · Updated · 24/7 Wall St. · Aug 24
Summary
Jan. 1, 1960-born and younger savers can now delay required minimum distributions from traditional IRAs, 401(k)s and 403(b)s until age 75 instead of 73.
Section 107 of the 2022 SECURE 2.0 Act changed the schedule by birth year, and IRS regulations finalized in July 2024 took effect for calendar years beginning Jan. 1, 2025.
Those extra 2 years create a longer pre-RMD window for Roth conversions, letting retirees shift money at lower tax brackets before mandatory withdrawals raise taxable income.
Later, larger RMDs can increase taxes on Social Security and trigger higher Medicare Part B and Part D premiums through IRMAA, making the added runway a key planning tool.
The rule leaves people born from 1951 through 1959 on an RMD age of 73, creating a clear split between adjacent retirement cohorts.