When do gold IRA RMDs start?

Required minimum distributions from a traditional gold IRA begin at age 73. Roth IRAs have no RMDs during the owner's lifetime.

How is the RMD calculated?

Divide the prior year-end account value by the IRS Uniform Lifetime Table factor for your age. For example, at 73 the factor is 26.5.

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Gold IRA RMD Calculator

Estimate your required minimum distribution using the IRS Uniform Lifetime Table.

By Aaron Tal · Precious-metals analyst · Reviewed June 2026

What this does: traditional gold IRAs require minimum withdrawals starting at age 73. Enter last year's account value and your age to estimate this year's RMD using the IRS Uniform Lifetime Table. Roth IRAs have no RMDs during your lifetime.

Account value on Dec 31 last year ($) Your age this year

Estimate only, based on the IRS Uniform Lifetime Table (most account holders). A different table applies if your sole beneficiary is a spouse more than 10 years younger. RMDs begin at age 73; missing one carries a penalty. Confirm with your custodian or a tax professional.