Save time with our cheat sheets, fact sheets, checklists & books!

February 17, 2020

When Do I reach Age 70 ½ for RMD Purposes?

Your Guide



You reach age 70 1/2 ( 70.5) 6-months after the 70th anniversary of your date-of-birth.

The significance of age 70 1/2

The significance of age 70 ½ is that:

The age is increased to 72 for those who reach age 70 1/2 after 2019.


Referring Cite

Treas. Reg. 1.401(a)(9)-2, Q&A 3

Additional Helpful Information

An individual attains age 70½ as of the date six calendar months after the 70th anniversary of the individual’s birth. For example, if an individual’s date of birth was June 30, 1948, the 70th anniversary of such individual’s birth is June 30, 2018.

For those who each age 70 ½ before 2020: Such individual attains age 70 ½ on December 30, 2018 and the required beginning date would be April 1, 2019 . However, if the individual’s date of birth was July 1, 1948, the 70th anniversary of such individual’s birth would be July 1, 2018. Such an individual would then attain age 70 ½ on January 1, 2019 and such individual required beginning date would be April 1, 2020

For employer sponsored retirement plans: if the individual is a 5–percent owner or retired, such individual’s required beginning date is April 1, 2019. Otherwise, the required beginning date could be deferred past age 70 ½  ( 72  as of 2020) until retirement . (Treas. Reg. 1.401(a)(9)-2, Q&A 3).

Written By

Denise Appleby

Denise is CEO of Appleby Retirement Consulting Inc., a firm that provides IRA resources for financial/ tax/legal professionals. She has over 20 years of experience in the retirement plans field, which includes training and technical consultation.

Denise writes and publishes educational /marketing tools for advisors; available at Denise co-authored several books on IRAs

Denise is a graduate of The John Marshall Law School, where she obtained a Masters of Jurisprudence in Employee Benefits, and has earned 5 professional retirement designations.
She has appeared on numerous media programs, sharing her insights on retirement tax laws.


Keep Learning


Definition A deduction is a Tax write-off which is allowed for contributions to traditional IRAs or employer sponsored plans. Individuals who are active participants are

Annual Addition Limit

Definition The annual Addition limit is the maximum amount that may be added to a defined contribution plan on behalf of a participant for any

SIMPLE 401(k) Plan

Definition A SIMPLE 401(k) plan is a 401(k) plan  established by a small business for it’s employees. Earnings accrue on a tax-deferred basis and distributions

Salary Deferral Contribution

Definition A contribution made pursuant to a participant’s election to have a portion of his/her salary/wages  contributed to his/ her employer sponsored plan  rather than

Be among the first to know when

IRA Rules