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  • Effects of the Pension Protection Act of 2006 on Lump Sum 401k Distributions
  • Tax Increase Prevention & Reconciliation Act of 2005 and 401k Retirement Plans
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  • Roth 401k - A Look at the Final Roth 401k Rules
  • Common Files

    Uniform Lifetime Table to Calculate 401k Minimum Required Distributions (MRDs)

    To Calculate the MRD, example:

    If Retiree turns 77 during this year, the MRD is calculated as:

    MRD = Market Value of Retirement Savings / Divisor
    MRD = $250,000 / 21.2
    MRD = $11,793

    Age of 401k Retirement Savings Account Owner
    Divisor
    70 27.4
    71 26.5
    72 25.6
    73 24.7
    74 23.8
    75 22.9
    76 22
    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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