Rmd Divisor Table 2025 Table. Use this calculator to determine your required minimum distribution (rmd) from a traditional 401 (k) or ira. An rmd is a mandatory minimum amount that retirement account owners must withdraw from their accounts annually.
To get the exact calculated rmd for 2025, individuals divide their account balance by the life expectancy factor from the irs rmd table. Required minimum distributions (โrmdsโ) are amounts that retirement plan and individual retirement account (โiraโ) account owners are required to withdraw each year.