这个表告诉你，退休账户72岁后必须取多少？

百分数是取Distribution period (in years)的倒数而得来的。

IRA required minimum distributions（RMD） table 2023

https://www.bankrate.com/retirement/ira-rmd-table/

https://www.irs.gov/pub/irs-pdf/p590b.pdf

 

How much do you need to withdraw? The exact distribution amount changes from year to year and is based on your life expectancy. It is calculated by dividing an account’s year-end value by the estimated remaining years of your lifetime, in a table provided by the IRS.

The table shown below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure mandatory distributions. The IRA has other tables for beneficiaries of retirement funds and account holders who have much younger spouses.

 

IRA required minimum distribution (RMD) table
Age of retiree	Distribution period (in years)	%	Age of retiree	Distribution period (in years)	%
72	27.4	3.65	97	7.8	12.82
73	26.5	3.77	98	7.3	13.70
74	25.5	3.92	99	6.8	14.71
75	24.6	4.07	100	6.4	15.63
76	23.7	4.22	101	6	16.67
77	22.9	4.37	102	5.6	17.86
78	22	4.55	103	5.2	19.23
79	21.1	4.74	104	4.9	20.41
80	20.2	4.95	105	4.6	21.74
81	19.4	5.15	106	4.3	23.26
82	18.5	5.41	107	4.1	24.39
83	17.7	5.65	108	3.9	25.64
84	16.8	5.95	109	3.7	27.03
85	16	6.25	110	3.5	28.57
86	15.2	6.58	111	3.4	29.41
87	14.4	6.94	112	3.3	30.30
88	13.7	7.30	113	3.1	32.26
89	12.9	7.75	114	3	33.33
90	12.2	8.20	115	2.9	34.48
91	11.5	8.70	116	2.8	35.71
92	10.8	9.26	117	2.7	37.04
93	10.1	9.90	118	2.5	40.00
94	9.5	10.53	119	2.3	43.48
95	8.9	11.24	120 and older	2	50.00
96	8.4	11.90