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