IRA Required Minimum Distributions (RMD)

Calculate by dividing the value of the IRA by the distribution period corresponding with your age.  For example if you were 70 1/2 and your IRA was worth $100,000 your RMD would be $3,650 ($100,000 / 27.4).  Note: If your spouse is the sole beneficiary of the IRA and is more than 10 year younger than you, you must use a different chart.

Age of retiree

Distribution period (in years)

Age of retiree

Distribution period (in years)

70

27.4

93

9.6

71

26.5

94

9.1

72

25.6

95

8.6

73

24.7

96

8.1

74

23.8

97

7.6

75

22.9

98

7.1

76

22.0

99

6.7

77

21.2

100

6.3

78

20.3

101

5.9

79

19.5

102

5.5

80

18.7

103

5.2

81

17.9

104

4.9

82

17.1

105

4.5

83

16.3

106

4.2

84

15.5

107

3.9

85

14.8

108

3.7

86

14.1

109

3.4

87

13.4

110

3.1

88

12.7

111

2.9

89

12.0

112

2.6

90

11.4

113

2.4

91

10.8

114

2.1

92

10.2

115 or older

1.9