Roth 401(k) Owners Exempt from RMDs at Any Age Starting 2024

Since 2024, Roth 401(k) owners face zero required minimum distributions at any age, eliminating a costly gap versus Roth IRAs. The exemption covers only the account owner; non-spouse heirs must still empty an inherited Roth 401(k) within 10 years. Workers aged 60 to 63 can contribute up to $35,750 into a Roth 401(k) in 2026, locking in tax-free and RMD-free growth. This rule change affects all Roth 401(k), Roth 403(b), and Roth 457(b) balances in the US.