RMD

I will be 77 in December. My wife will be 73 in May. The IRA is in my name only. My wife is the single beneficiary. The value of my IRA as of December 31st 2025 is $100,000. What is my RMD?

103

Employee Tax Expert

Feb 25, 2026 3:41:01 PM

The IRS Required Minimum Distribution Worksheet may be found here.

Level 6

Feb 25, 2026 3:44:30 PM

Since you will be 77 in December, you divide your 12/31/2025 IRA balance by 21.2 to get your 2026 RMD amount.

Level 2

Feb 25, 2026 4:08:34 PM

I was confused as to which table to use considering the fact that my wife is the single beneficiary. So there is no consideration for the single beneficiary if that person is less than 10 years younger?

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RMD