Joint Life Expectancy Table to Calculate Minimum Required 401k Distributions (MRDs)

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Joint Life Expectancy Table to Calculate Minimum Required 401k Distributions (MRDs)

Retirement Account Owner's Age (70 - 80)

Age of Your Beneficiary	Retirement Account Owner's Age (Your Age)
	70	71	72	73	74	75	76	77	78	79	80
40	44.0	44.0	43.9	43.9	43.9	43.8	43.8	43.8	43.8	43.8	43.7
41	43.1	43.0	43.0	43.0	42.9	42.9	42.9	42.9	42.8	42.8	42.8
42	42.2	42.1	42.1	42.0	42.0	42.0	41.9	41.9	41.9	41.9	41.8
43	41.3	41.2	41.1	41.1	41.1	41.0	41.0	41.0	40.9	40.9	40.9
44	40.3	40.3	40.2	40.2	40.1	40.1	40.1	40.0	40.0	40.0	40.0
45	39.4	39.4	39.3	39.3	39.2	39.2	39.1	39.1	39.1	39.1	39.0
46	38.6	38.5	38.4	38.4	38.3	38.3	38.2	38.2	38.2	38.1	38.1
47	37.7	37.6	37.5	37.5	37.4	37.4	37.3	37.3	37.2	37.2	37.2
48	36.8	36.7	36.6	36.6	36.5	36.5	36.4	36.4	36.3	36.3	36.3
49	35.9	35.9	35.8	35.7	35.6	35.6	35.5	35.5	35.4	35.4	35.4
50	35.1	35.0	34.9	34.8	34.8	34.7	34.6	34.6	34.5	34.5	34.5
51	34.3	34.2	34.1	34.0	33.9	33.8	33.8	33.7	33.6	33.6	33.6
52	33.4	33.3	33.2	33.1	33.0	33.0	32.9	32.8	32.8	32.7	32.7
53	32.6	32.5	32.4	32.3	32.2	32.1	32.0	32.0	31.9	31.8	31.8
54	31.8	31.7	31.6	31.5	31.4	31.3	31.2	31.1	31.0	31.0	30.9
55	31.1	30.9	30.8	30.6	30.5	30.4	30.3	30.3	30.2	30.1	30.1
56	30.3	30.1	30.0	29.8	29.7	29.6	29.5	29.4	29.3	29.3	29.2
57	29.5	29.4	29.2	29.1	28.9	28.8	28.7	28.6	28.5	28.4	28.4
58	28.8	28.6	28.4	28.3	28.1	28.0	27.9	27.8	27.7	27.6	27.5
59	28.1	27.9	27.7	27.5	27.4	27.2	27.1	27.0	26.9	26.8	26.7
60	27.4	27.2	27.0	26.8	26.6	26.5	26.3	26.2	26.1	26.0	25.9
61	26.7	26.5	26.3	26.1	25.9	25.7	25.6	25.4	25.3	25.2	25.1
62	26.1	25.8	25.6	25.4	25.2	25.0	24.8	24.7	24.6	24.4	24.3
63	25.4	25.2	24.9	24.7	24.5	24.3	24.1	23.9	23.8	23.7	23.6
64	24.8	24.5	24.3	24.0	23.8	23.6	23.4	23.2	23.1	22.9	22.8
65	24.3	23.9	23.7	23.4	23.1	22.9	22.7	22.5	22.4	22.2	22.1
66	23.7	23.4	23.1	22.8	22.5	22.3	22.0	21.8	21.7	21.5	21.3
67	23.2	22.8	22.5	22.2	21.9	21.6	21.4	21.2	21.0	20.8	20.6
68	22.7	22.3	22.0	21.6	21.3	21.0	20.8	20.6	20.3	20.1	20.0
69	22.2	21.8	21.4	21.1	20.8	20.5	20.2	19.9	19.7	19.5	19.3
70	21.8	21.3	20.9	20.6	20.2	19.9	19.6	19.4	19.1	18.9	18.7

Retirement Account Owner's Age (80 - 90)

Age of Your Beneficiary	Retirement Account Owner's Age (Your Age)
	80	81	82	83	84	85	86	87	88	89	90
50	34.5	34.4	34.4	34.4	34.3	34.3	34.3	34.3	34.3	34.3	34.2
51	33.6	33.5	33.5	33.5	33.4	33.4	33.4	33.4	33.4	33.3	33.3
52	32.7	32.6	32.6	32.6	32.5	32.5	32.5	32.5	32.5	32.4	32.4
53	31.8	31.8	31.7	31.7	31.7	31.6	31.6	31.6	31.6	31.5	31.5
54	30.9	30.9	30.8	30.8	30.8	30.7	30.7	30.7	30.7	30.7	30.6
55	30.1	30.0	30.0	29.9	29.9	29.9	29.8	29.8	29.8	29.8	29.8
56	29.2	29.2	29.1	29.1	29.0	29.0	29.0	28.9	28.9	28.9	28.9
57	28.4	28.3	28.3	28.2	28.2	28.1	28.1	28.1	28.0	28.0	28.0
58	27.5	27.5	27.4	27.4	27.3	27.3	27.2	27.2	27.2	27.2	27.1
59	26.7	26.6	26.6	26.5	26.5	26.4	26.4	26.4	26.3	26.3	26.3
60	25.9	25.8	25.8	25.7	25.6	25.6	25.5	25.5	25.5	25.4	25.4
61	25.1	25.0	24.9	24.9	24.8	24.8	24.7	24.7	24.6	24.6	24.6
62	24.3	24.2	24.1	24.1	24.0	23.9	23.9	23.8	23.8	23.8	23.7
63	23.6	23.4	23.4	23.3	23.2	23.1	23.1	23.0	23.0	22.9	22.9
64	22.8	22.7	22.6	22.5	22.4	22.3	22.3	22.2	22.2	22.1	22.1
65	22.1	21.9	21.8	21.7	21.6	21.6	21.5	21.4	21.4	21.3	21.3
66	21.3	21.2	21.1	21.0	20.9	20.8	20.7	20.7	20.6	20.5	20.5
67	20.6	20.5	20.4	20.2	20.1	20.1	20.0	19.9	19.8	19.8	19.7
68	20.0	19.8	19.7	19.5	19.4	19.3	19.2	19.2	19.1	19.0	19.0
69	19.3	19.1	19.0	18.8	18.7	18.6	18.5	18.4	18.3	18.3	18.2
70	18.7	18.5	18.3	18.2	18.0	17.9	17.8	17.7	17.6	17.6	17.5
71	18.1	17.9	17.7	17.5	17.4	17.3	17.1	17.0	16.9	16.9	16.8
72	17.5	17.3	17.1	16.9	16.7	16.6	16.5	16.4	16.3	16.2	16.1
73	16.9	16.7	16.5	16.3	16.1	16.0	15.8	15.7	15.6	15.5	15.4
74	16.4	16.2	15.9	15.7	15.5	15.4	15.2	15.1	15.0	14.9	14.8
75	15.9	15.6	15.4	15.2	15.0	14.8	14.6	14.5	14.4	14.3	14.2
76	15.4	15.1	14.9	14.7	14.4	14.3	14.1	13.9	13.8	13.7	13.6
77	15.0	14.7	14.4	14.2	13.9	13.7	13.5	13.4	13.2	13.1	13.0
78	14.5	14.2	13.9	13.7	13.4	13.2	13.0	12.9	12.7	12.6	12.4
79	14.1	13.8	13.5	13.2	13.0	12.8	12.5	12.4	12.2	12.0	11.9
80	13.8	13.4	13.1	12.8	12.6	12.3	12.1	11.9	11.7	11.5	11.4

These tables are taken from:
IRS Joint and Last Survivor Table; 26 CFR Part 54 Section 401(a)(9)-9