IRA Distributions

IRA DistributionsThe table shown below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure mandatory IRA distributions or RMD (Required Minimum Distribution). The other tables are for beneficiaries of retirement funds and account holders who have much younger spouses.

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Age of retiree Distribution
period (in years)
Age of retiree Distribution
period (in years)
Age of retiree Distribution
period (in years)
70 27.4 86 14.1 102 5.5
71 26.5 87 13.4 103 5.2
72 25.6 88 12.7 104 4.9
73 24.7 89 12.0 105 4.5
74 23.8 90 11.4 106 4.2
75 22.9 91 10.8 107 3.9
76 22.0 92 10.2 108 3.7
77 21.2 93 9.6 109 3.4
78 20.3 94 9.1 110 3.1
79 19.5 95 8.6 111 2.9
80 18.7 96 8.1 112 2.6
81 17.9 97 7.6 113 2.4
82 17.1 98 7.1 114 2.1
83 16.3 99 6.7 115 or older 1.9
84 15.5 100 6.3
85 14.8 101 5.9

To determine your required distribution amount divide the total amount in your IRA by the distribution period for your current age.

For example:

John Doe, who is 80, a widower and whose IRA was worth $100,000 at the end of last year would use the Uniform Lifetime Table. It indicates a distribution period of 18.7 years for an 80-year-old. Therefore, John must take out at least $5,348 this year ($100,000 divided by 18.7).

To calculate the year’s minimum distribution amount, take the age of the retiree and find the corresponding distribution period. Then divide the value of the IRA by the distribution period to find the required minimum distribution.

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