IRA Required Minimum Distribution Worksheet
Use this worksheet to figure this year’s required withdrawal for your traditional IRA UNLESS
your spouse
1
is the sole beneficiary of your IRA and he or she is more than 10 years younger
than you.
Deadline for receiving required minimum distribution:
Year you turn age 70 ½ - by April 1
of the following year
All subsequent years - by December 31
of that year
1. IRA balance
2
on December 31 of the previous year.
$_________
2. Distribution period from the table below for your age on your
birthday this year.
_________
3. Line 1 divided by number entered on line 2. This is your required
minimum distribution for this year from this IRA.
$_________
4. Repeat steps 1 through 3 for each of your IRAs.
Table III (Uniform Lifetime)
Age
Distribution
Period
Age
Distribution
Period
Age
Distribution
Period
Distribution
Period
70
27.4
82
17.1
94
9.1
4.2
71
26.5
83
16.3
95
8.6
3.9
72
25.6
84
15.5
96
8.1
3.7
73
24.7
85
14.8
97
7.6
3.4
74
23.8
86
14.1
98
7.1
3.1
75
22.9
87
13.4
99
6.7
2.9
76
22.0
88
12.7
100
6.3
2.6
77
21.2
89
12.0
101
5.9
2.4
78
20.3
90
11.4
102
5.5
2.1
79
19.5
91
10.8
103
5.2
1.9
80
18.7
92
10.2
104
4.9
81
17.9
93
9.6
105
4.5
Once you determine a separate required minimum distribution from each of your traditional
IRAs, you can total these minimum amounts and take them from any one or more of your
traditional IRAs.
For additional information, see:
Publication 590-B, Distributions from Individual Retirement Arrangements
(IRAs)
Retirement Topics Required Minimum Distributions
1
Generally, your marital status is determined as of January 1
of each year. If your spouse is the
beneficiary of your IRA on January 1, he or she remains a beneficiary only for purposes of calculating the
required minimum distribution for that IRA even if you get divorced or your spouse dies during the year.
2
You must increase your IRA balance by any outstanding rollover and recharacterized Roth IRA
conversions that were not in any traditional IRA on December 31
of the previous year.
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