Starting this year, required minimum distributions will be calculated using more generous life expectancy tables from the IRS.

Your RMD depends on your account balance, as well as your age. There’s a straightforward way to calculate your RMD for 2025. The important thing is to use the correct IRS life expectancy table ...

For simplicity, let's say that you can use the uniform lifetime table, which gives you a life expectancy factor of 24.6. To calculate your RMD, simply divide the account balance by the life ...