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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