To calculate your 2022 required minimum distributions for your IRA or 401k, use the RMD table below and follow the steps.
How to calculate your RMD
The Percentage of Account Balance simply shows what portion of your account balance will be required to be withdrawn based on your life expectancy factor. You don't need to do anything with this number. It just gives you an idea of how large of a withdrawal your RMD will be in relation to your account balance.
The RMD table above is applicable for retirement account holders who:
If you're married to someone who is at least 10 years younger than you, and they're the sole beneficiary of your account, then the IRS uses different life expectancy scores. Unfortunately, it's a lot more complicating in this case. Please refer to Table II in Appendix B of IRS Publication 590-B to calculate your RMD.
All employer-sponsored retirement plans, and all IRAs, except the Roth IRA, have required minimum distributions.
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