"In Retire Secure!, CPA and estate planning attorney Jim Lange provides a road-map for tax-efficient retirement and estate planning. This is an invaluable resource for investors and planners alike."
–Charles Schwab
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Uniform Withdrawal Factor Table
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For most individuals, your minimum required
distribution can be calculated using this table.
Please
see technical notes
to calculate your age for the purposes of this table. To figure your MRD for 2008, divide column
two into the account balance of your combined IRA
and retirement plan(s) as of December 31, 2007.
Or, click here
to use our MRD Calculator.
|
IRA Owner's Age |
MRD
Withdrawal Factor |
70 |
27.4 |
71 |
26.5 |
72 |
25.6 |
73 |
24.7 |
74 |
23.8 |
75 |
22.9 |
76 |
22.0 |
77 |
21.2 |
78 |
20.3 |
79 |
19.5 |
80 |
18.7 |
81 |
17.9 |
82 |
17.1 |
83 |
16.3 |
84 |
15.5 |
85 |
14.8 |
86 |
14.1 |
87 |
13.4 |
88 |
12.7 |
89 |
12.0 |
90 |
11.4 |
91 |
10.8 |
92 |
10.2 |
93 |
9.6 |
94 |
9.1 |
95 |
8.6 |
96 |
8.1 |
97 |
7.6 |
98 |
7.1 |
99 |
6.7 |
100 |
6.3 |
101 |
5.9 |
102 |
5.5 |
103 |
5.2 |
104 |
4.9 |
105 |
4.5 |
106 |
4.2 |
107 |
3.9 |
108 |
3.7 |
109 |
3.4 |
110 |
3.1 |
111 |
2.9 |
112 |
2.6 |
113 |
2.4 |
114 |
2.1 |
115 and older |
1.9 |
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