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The required minimum distribution for any year is the account balance as of the end of the immediately preceding calendar year divided by a distribution period from the IRS’s “Uniform Lifetime Table.”
If you continue to be treated as a beneficiary of the owner and the owner died before the owner's required beginning date, and you were not more than 10 years younger than your spouse, you may use the life expectancy you find in Table III (Uniform Lifetime Table) to determine your RMD.
** The Uniform Lifetime Table can be used by all IRA owners, unless their sole beneficiary for the entire year is their spouse who is more than 10 years younger. In that case, the regular Joint Life Expectancy Table is used, which could reduce the RMD even further.
15 Νοε 2023 · The table shown below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure mandatory distributions. The IRA...
27 Σεπ 2024 · The IRS uniform lifetime table, also known as the RMD table, is a life expectancy chart designed to help you calculate your RMDs based on your estimated remaining years and the amount of...
Required minimum distributions (RMDs) are the minimum amounts you must withdraw from your retirement accounts each year. You generally must start taking withdrawals from your traditional IRA, SEP IRA, SIMPLE IRA, and retirement plan accounts when you reach age 72 (73 if you reach age 72 after Dec. 31, 2022).
This table is the life expectancy table to be used by all IRA owners to calculate lifetime distributions unless your beneficiary is your spouse who is more than 10 years younger than you.
