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Smart 401(k) Investing

Minimum Required Distributions (MRD) Calculator


The law requires that you begin withdrawing money from your employer sponsored retirement account or traditional IRA by April 1 of the year following the year you turn 70½. Your age and your account balance will determine the amount you're required to withdraw.

2009 Suspension: The Worker, Retiree and Employer Recovery Act (H.R. 7327) grants a one-year suspension of the required minimum distribution (RMD) in 2009. Americans 70½ or older are not required to take mandatory payouts from their 401(k)s, IRS and other tax-advantaged retirement plans in 2009.





Answer the following questions to find your minimum required distribution (MRD). Please do not use commas in the figures.

What was your account balance at the end of last year?
How old will you be at the end of this year?

Your withdrawal factor: (This number is determined by your age)



Minimum required distribution:
In order to maintain your account balance following your withdrawal, your required rate of return for the next year is:

Note: Married users whose sole primary beneficiary is a spouse more than 10 years younger must use the Joint Life Expectancy Table in IRS Publication 590, which will generally produce lower required distributions.

Please view important legal information regarding the use of these calculators.

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