# RMDs at Age 73: $377k Withdrawals from $10M

> Retirees with $10 million face $377,000 annual IRS withdrawals starting at 73.
- Title: RMDs at Age 73: $377k Withdrawals from $10M · Kiplinger
- Summary: Retirees with $10 million face $377,000 annual IRS withdrawals starting at 73. Retirees aged 73 with $10 million in retirement accounts must withdraw…
- Keywords: required minimum distributions, irs, retirement accounts, tax implications, medicare premiums, social security, roth conversions, charitable distributions, life expectancy factor, ira, Kiplinger
- Source: Kiplinger — https://kiplinger.com/retirement/required-minimum-distributions-rmds/saved-millions-huge-rmds-the-irs-makes-you-take
- Published: 2026-11-14T15:15:00+00:00
- Read time: 1 min
- Topics: required minimum distributions, irs, retirement accounts, tax implications, medicare premiums, social security, roth conversions, charitable distributions, life expectancy factor, ira
## What are RMDs?
Starting at age 73, mandatory annual withdrawals from 401(k) or IRA accounts are how the IRS gets paid.
## RMDs impact taxes
RMDs push retirees into higher tax brackets, trigger Medicare IRMAA surcharges, and increase social security taxes.
## RMDs on $10 million
Retirees aged 73 must withdraw $377,359 annually from $10 million retirement accounts.
## RMDs by age
RMDs increase as age rises: $406,504 at 75, $495,050 at 80, $625,000 at 85.
## How to lower RMD impact
Spread withdrawals across low-tax years, convert to roth before age 73, or make charitable distributions.
## RMDs at age 73
Retirees with $10 million face $377,359 annual withdrawals starting at age 73.
## RMDs consequences
High RMDs trigger tax shocks, Medicare surcharges, and social security tax increases for retirees.
## Key takeaway

Retirees aged 73 with $10 million in retirement accounts must withdraw $377,359 annually per IRS rules.