Compute required minimum distributions for a Traditional Bitcoin IRA using the IRS Uniform Lifetime Table. Shows the RMD in USD and BTC at the current spot price, the life-expectancy factor used, and a 5-year projection.
| Age | Year-start balance | RMD (USD) | RMD (BTC) |
|---|---|---|---|
| 73 | $500,000 | $18,868 | 0.1715 |
| 74 | $529,245 | $20,755 | 0.1887 |
| 75 | $559,340 | $22,737 | 0.2067 |
| 76 | $590,262 | $24,906 | 0.2264 |
| 77 | $621,893 | $27,157 | 0.2469 |
RMDs from Traditional IRAs begin at age 73 under SECURE Act 2.0. Roth IRAs do not require distributions during the original holder's lifetime.
Missing the RMD deadline triggers a 25% penalty (reduced from 50% by SECURE Act 2.0), with a possible reduction to 10% if corrected within a 2-year window.
RMDs can be taken in cash (selling Bitcoin inside the IRA and distributing USD) or in-kind (transferring Bitcoin directly to the holder's external custody). See Bitcoin IRA RMDs for the full mechanics.