SECURE 2.0 moved the RMD age to 73 — and to 75 for later birth years. Find your row, then read off your first-RMD deadline.
Born 1951–1959 → your RMD age is 73. Born 1960 or later → 75. (Born 1950 or earlier? Your RMD age was 72 under the old law and you're already in the annual December 31 cycle.) The April 1 extension applies only to your very first RMD — and usually shouldn't be used.
| Birth year | RMD age | You reach it in | First RMD covers | First RMD deadline (default / delayed) |
|---|---|---|---|---|
| 1949 | 72 (old law) | 2021 | 2021 | Apr 1, 2022 — passed |
| 1950 | 72 (old law) | 2022 | 2022 | Apr 1, 2023 — passed |
| 1951 | 73 | 2024 | 2024 | Dec 31, 2024 / Apr 1, 2025 |
| 1952 | 73 | 2025 | 2025 | Dec 31, 2025 / Apr 1, 2026 |
| 1953 | 73 | 2026 | 2026 | Dec 31, 2026 / Apr 1, 2027 |
| 1954 | 73 | 2027 | 2027 | Dec 31, 2027 / Apr 1, 2028 |
| 1955 | 73 | 2028 | 2028 | Dec 31, 2028 / Apr 1, 2029 |
| 1956 | 73 | 2029 | 2029 | Dec 31, 2029 / Apr 1, 2030 |
| 1957 | 73 | 2030 | 2030 | Dec 31, 2030 / Apr 1, 2031 |
| 1958 | 73 | 2031 | 2031 | Dec 31, 2031 / Apr 1, 2032 |
| 1959 | 73 | 2032 | 2032 | Dec 31, 2032 / Apr 1, 2033 |
| 1960 | 75 | 2035 | 2035 | Dec 31, 2035 / Apr 1, 2036 |
| 1961 | 75 | 2036 | 2036 | Dec 31, 2036 / Apr 1, 2037 |
| 1962 | 75 | 2037 | 2037 | Dec 31, 2037 / Apr 1, 2038 |
| 1963 | 75 | 2038 | 2038 | Dec 31, 2038 / Apr 1, 2039 |
| 1964 | 75 | 2039 | 2039 | Dec 31, 2039 / Apr 1, 2040 |
| 1965 | 75 | 2040 | 2040 | Dec 31, 2040 / Apr 1, 2041 |
| 1966 | 75 | 2041 | 2041 | Dec 31, 2041 / Apr 1, 2042 |
| 1967 | 75 | 2042 | 2042 | Dec 31, 2042 / Apr 1, 2043 |
| 1968 | 75 | 2043 | 2043 | Dec 31, 2043 / Apr 1, 2044 |
SECURE 2.0 (December 2022) raised the RMD age from 72 to 73 starting in 2023, and scheduled a second increase to 75 starting in 2033. The cutoff is clean: if you were born in 1959 or earlier, you turn 73 (and owe your first RMD) before the 2033 change; born 1960 or later, you get the age-75 rule. The IRS's own comparison chart states it exactly this way.
Note the two-year gap for the 1960 cohort: someone born in 1960 turns 73 in 2033 but owes nothing — their RMD age is 75, reached in 2035.