Annuity Tax-Calculation Tables

Uniform Lifetime Table for Determining Required Lifetime Distributions under Reg. § 1.401(a)(9)-5, A-4(a) - revised 2002-2003
Table for Determining Applicable Divisor
Age

Applicable
divisor

Age
Applicable
divisor
Age
Applicable
divisor
70
27.4
86
14.1
102
5.5
71
26.5
87
13.4
103
5.2
72
25.6
88
12.7
104
4.9
73
24.7
89
12.0
105
4.5
74
23.8
90
11.4
106
4.2
75
22.9
91
10.8
107
3.9
76
22.0
92
10.2
108
3.7
77
21.2
93
9.6
109
3.4
78
20.3
94
9.1
110
3.1
79
19.5
95
8.6
111
2.9
80
18.7
96
8.1
112
2.6
81
17.9
97
7.6
113
2.4
82
17.1
98
7.1
114
2.1
83
16.3
99
6.7
115+
1.9
84
15.5
100
6.3
   
85
14.8
101
5.9
   
The "Uniform Lifetime Table" may be used by all taxpayers to compute their lifetime annual required minimum distributions for 2002, and must be used for 2003 and later years. This table does not apply to beneficiaries of a deceased IRA owner; or if the sole beneficiary of the IRA is the participant's spouse who is more than 10 years younger than the participant. This table may not be used for years prior to 2002.

For each "Distribution Year" (i.e., a year for which a distribution is required), determine:
(A) the account balance as of the preceding calendar year end;
(B) the participant's age on his or her birthday in the Distribution Year; and
(C) the "applicable divisor" for that age from the above table. "A" divided by "C" equals the minimum required distribution for the Distribution Year.
 

Minimum Distribution Rules Summary