Estimate required minimum distributions from a Massachusetts retirement account.
RMD = prior-year balance ÷ the Uniform Lifetime Table factor for your age. This uses an approximate factor for guidance; the IRS publishes the exact tables, and the start age depends on your birth year.
RMD
RMD = balance ÷ (age factor)
Approximate factor for guidance — use the official IRS life-expectancy table.
Delays require still being employed with the sponsoring plan (if not 5% owner) — otherwise RMDs generally apply after the required beginning date.
Rates are approximate state or national reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.