Rmd Divisor Table 2025 For Married Couples. So as life expectancy declines, the percentage of your assets that must be withdrawn. This required minimum distribution table below is used by people who own iras.

Your yearly rmd is calculated using a formula based on the irs’ uniform lifetime table. If your spouse is 10 years or more younger than you, you must refer to the joint life and last survivor expectancy table for your rmd.