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  • Common Files

    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

     

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