We present a reliable magnetic tunnel junction (MTJ) TDDB model using 40Mb 22FDX ® STT-MRAM at sub-PPM failure rate. This model is based on the precise estimation of voltage across MTJ at bit-cell level derived from compact model and design simulations to cover the product level endurance performance from MTJ diameter, resistance-area product, and temperature effects. We discuss the implications of pre/post MTJ switching, circuit variations and write pulse on MRAM endurance. By using design-process-test co-optimization, we show robust MRAM product reliability to meet >1M cycles with solder reflows and path towards achieving >E12 cycles for cache applications.