Your RMD amount is calculated by dividing your tax-deferred retirement account balance as of December 31 of last year by your life expectancy factor. Your life expectancy factor is taken from the Uniform Lifetime Table. However, if your spouse is the sole primary beneficiary and he or she is 10 years younger than you, your life expectancy factor is taken from the Joint Life Table. You can find RMD calculators on the website of most brokers, such as Fidelity, Schwab, TD Ameritrade, etc.
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