>A question about life expectancy table, is there there a month in the year that I would take my age at?
Good question.
It is your age as of your birthday in the tax year. That is oddly worded perhaps because they can't just say 12/31 I think because you might pass away during the year and still have an RMD.
See Pub 590B https://www.irs.gov/pub/irs-pdf/p590b.pdf , page 11, which says
Use Table I for years after the year of the owner’s death if you are the owner’s
eligible designated beneficiary or their designated spousal
beneficiary.
Example. You are an eligible designated beneficiary
figuring your first required minimum distribution. Distributions must begin in 2024. You become age 57 in 2024. You use Table I. Your distribution period for 2024 is 29.8.
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