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Required Minimum Distribution :: Knowledge Center :: THE RETIREMENT SOURCE®
Required Minimum Distribution
Age Distribution
Period
Percent % Example:
IRA Amount
  Age Distribution
Period
Percent % Example:
IRA Amount
    100 $ 100,000     100 $ 100,000
70 27.4 3.650 $ 3.650 93 9.6 10.417 $ 10.417
71 26.5 3.774 $ 3.774 94 9.1 10.989 $ 10.989
72 25.6 3.906 $ 3.906 95 8.6 11.628 $ 11.628
73 24.7 4.049 $ 4.049 96 8.1 12.346 $ 12.346
74 23.8 4.202 $ 4.202 97 7.6 13.158 $ 13.158
75 22.9 4.367 $ 4.367 98 7.1 14.085 $ 14.085
76 22.0 4.545 $ 4.545 99 6.7 14.925 $ 14.925
77 21.2 4.717 $ 4.717 100 6.3 15.873 $ 15.873
78 20.3 4.926 $ 4.926 101 5.9 16.949 $ 16.949
79 19.5 5.128 $ 5.128 102 5.5 18.182 $ 18.182
80 18.7 5.348 $ 5.348 103 5.2 19.231 $ 19.231
81 17.9 5.587 $ 5.587 104 4.9 20.408 $ 20.408
82 17.1 5.848 $ 5.848 105 4.5 22.222 $ 22.222
83 16.3 6.135 $ 6.135 106 4.2 23.810 $ 23.810
84 15.5 6.452 $ 6.452 107 3.9 25.840 $ 25.840
85 14.8 6.757 $ 6.757 108 3.7 27.027 $ 27.027
86 14.1 7.092 $ 7.092 109 3.4 29.412 $ 29.412
87 13.4 7.463 $ 7.463 110 2.1 47.619 $ 47.619
88 12.7 7.874 $ 7.874 111 2.9 34.483 $ 34.483
89 12.0 8.333 $ 8.333 112 2.6 38.462 $ 38.462
90 11.4 8.772 $ 8.772 113 2.4 41.667 $ 41.667
91 10.8 9.259 $ 9.259 114 2.1 47.619 $ 47.619
92 10.2 9.804 $ 9.804 115+ 1.9 52.632 $ 52.632

The applicable distribution period (life expectancy factor) is determined by using this IRS Uniform Lifetime table. Simply look up the IRA owner's attained age on his/her birthday in the distribution calendar year (column A or E) and use the corresponding factor or divisor (column B or F). Divide this divisor by 100% to arrive at the percent needed to calculate the RMD for your Traditional IRA. Multiply this percent (column C or G) by IRA balance. The example for a IRA owner of age 70 (in the current calendar year) takes the 27.4 divisor divided by 100 to obtain a 3.650% then multipliy by the IRA balance. The IRA balance example of $100,000 would then calculate a $3,650 RMD amount.

NOTE: If this becomes an interactive chart the Example: IRA Amount of $100,000 can be changed to calculate the RMD at any age in either column A or E.

Just change the $100,000 in column D or H and look for the recalculated amount by age.

 

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