Rmd Divisor Table 2025. For your calculation each year, pension fund uses the life expectancy factor corresponding to your age on your birthday in that year. Your yearly rmd is calculated using a formula based on the irs’ uniform lifetime table.
According to the table, your distribution period is 24.6, which means your rmd for the year would be $81,301 ($2,000,000 ÷ 24.6). Your yearly rmd is calculated using a formula based on the irs’ uniform lifetime table.