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How are RMDs Calculated in Spending Game


Spending Game uses the following Calculation for determining the Required Minimum Distribution.

Previous Year's End of Year Balance divided by the Withdrawal Factor derived from Table III (Uniform Lifetime)* table of Publication 590-B from the IRS.

*The Calculation method is the same for married clients who have spouses who are not more than 10 years younger.  If the spouse is more than 10 years younger the Calculator uses Table II(Joint Life and Last Survivor Expectancy) to determine the withdrawal Factor.

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