Elva Noreen

Ira Life Expectancy Table 2025. You can generally divide the balance of all your retirement plans (as of december 31 of the previous year) by a life expectancy factor provided by the irs to calculate your rmd. If the sole beneficiary of your ira is your spouse and your spouse is more than 10 years younger than you, use the life expectancy from table ii (joint life and last survivor expectancy) in appendix b.

You can generally divide the balance of all your retirement plans (as of december 31 of the previous year) by a life expectancy factor provided by the irs to calculate your rmd. Beneficiaries of inherited iras generally follow a single life expectancy table.