Typically the insurance company holding your IRA annuity will automatically calculate your RMD each year and send you a confirmation statement early each year telling you the amount.
In most cases the only decisions you'll have to make will be 1) the % of the RMD you want withheld for federal (and state, if applicable) taxes; and 2) whether you want to take your RMD as a lump sum or in quarterly or monthly payments.
If you have more than one IRA, you must calculate the RMD for each IRA
separately each year. However, you may aggregate your RMD amounts for
all of your IRAs and withdraw the total from one IRA or a portion from
each of your IRAs. You do not have to take a separate RMD from each IRA.
This IRS reference gives more info: https://www.irs.gov/retirement-plans/rmd-comparison-chart-iras-vs-defined-contribution-plans
**Answers are correct to the best of my ability but do not constitute tax or legal advice.
