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RMD worksheet

Grades 6–7 · CCSS 6.NS.B.3

Solve each problem and show your work. Round answers to 2 decimal places where needed.

1.
Problem 1.
- Year you were born: 1,952
- Account balance on December 31 of last year: $550,000
- Distribution year: 2,027
- Expected yearly growth for the projection (optional): 5%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2027
Answer
2.
Problem 2.
- Year you were born: 2,000
- Account balance on December 31 of last year: $500,000
- Distribution year: 2,026
- Expected yearly growth for the projection (optional): 5%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2026
Answer
3.
Problem 3.
- Year you were born: 2,000
- Account balance on December 31 of last year: $375,000
- Distribution year: 2,027
- Expected yearly growth for the projection (optional): 3%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2027
Answer
4.
Problem 4.
- Year you were born: 2,000
- Account balance on December 31 of last year: $475,000
- Distribution year: 2,026
- Expected yearly growth for the projection (optional): 6%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2026
Answer
5.
Problem 5.
- Year you were born: 2,000
- Account balance on December 31 of last year: $480,000
- Distribution year: 2,027
- Expected yearly growth for the projection (optional): 4%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2027
Answer
6.
Problem 6.
- Year you were born: 2,000
- Account balance on December 31 of last year: $610,000
- Distribution year: 2,027
- Expected yearly growth for the projection (optional): 4%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2027
Answer
7.
Problem 7.
- Year you were born: 1,952
- Account balance on December 31 of last year: $450,000
- Distribution year: 2,026
- Expected yearly growth for the projection (optional): 6%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2026
Answer
8.
Problem 8.
- Year you were born: 2,000
- Account balance on December 31 of last year: $600,000
- Distribution year: 2,026
- Expected yearly growth for the projection (optional): 5%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2026
Answer
9.
Problem 9.
- Year you were born: 2,000
- Account balance on December 31 of last year: $640,000
- Distribution year: 2,026
- Expected yearly growth for the projection (optional): 6%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2026
Answer
10.
Problem 10.
- Year you were born: 2,000
- Account balance on December 31 of last year: $500,000
- Distribution year: 2,027
- Expected yearly growth for the projection (optional): 4%
- My spouse is more than 10 years younger and is my sole beneficiary: No
Find: Required minimum distribution for 2027
Answer

Answer key: RMD worksheet

1. Required minimum distribution for 2027: $22,357.72
1. Find the age you reach this year: the year minus your birth year
  $2,027 - 1,952$ $= 75$
2. You were born in 1952, so your RMDs start the year you turn 73
  $1,952 + 73$ $= 2,025$
3. Look up your divisor for age 75 in the IRS Uniform Lifetime Table. It's based on life expectancy
  $divisor$ $= 24.6$
4. Divide last December 31's balance by the divisor. That's the least you must take out this year
  $\frac{$550,000.00}{24.6}$ $= $22,357.72$
2. Required minimum distribution for 2026: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,026 - 2,000$ $= 26$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 26 you're under 75, so you don't have to take anything out for 2026
  $required minimum distribution$ $= $0.00$
3. Required minimum distribution for 2027: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,027 - 2,000$ $= 27$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 27 you're under 75, so you don't have to take anything out for 2027
  $required minimum distribution$ $= $0.00$
4. Required minimum distribution for 2026: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,026 - 2,000$ $= 26$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 26 you're under 75, so you don't have to take anything out for 2026
  $required minimum distribution$ $= $0.00$
5. Required minimum distribution for 2027: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,027 - 2,000$ $= 27$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 27 you're under 75, so you don't have to take anything out for 2027
  $required minimum distribution$ $= $0.00$
6. Required minimum distribution for 2027: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,027 - 2,000$ $= 27$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 27 you're under 75, so you don't have to take anything out for 2027
  $required minimum distribution$ $= $0.00$
7. Required minimum distribution for 2026: $17,647.06
1. Find the age you reach this year: the year minus your birth year
  $2,026 - 1,952$ $= 74$
2. You were born in 1952, so your RMDs start the year you turn 73
  $1,952 + 73$ $= 2,025$
3. Look up your divisor for age 74 in the IRS Uniform Lifetime Table. It's based on life expectancy
  $divisor$ $= 25.5$
4. Divide last December 31's balance by the divisor. That's the least you must take out this year
  $\frac{$450,000.00}{25.5}$ $= $17,647.06$
8. Required minimum distribution for 2026: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,026 - 2,000$ $= 26$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 26 you're under 75, so you don't have to take anything out for 2026
  $required minimum distribution$ $= $0.00$
9. Required minimum distribution for 2026: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,026 - 2,000$ $= 26$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 26 you're under 75, so you don't have to take anything out for 2026
  $required minimum distribution$ $= $0.00$
10. Required minimum distribution for 2027: $0.00
1. Find the age you reach this year: the year minus your birth year
  $2,027 - 2,000$ $= 27$
2. You were born in 2000, so your RMDs start the year you turn 75
  $2,000 + 75$ $= 2,075$
3. At 27 you're under 75, so you don't have to take anything out for 2027
  $required minimum distribution$ $= $0.00$