Minimum Distribution Incidental Benefit (MDIB) Calculator

This retirement calculator lets you build up your traditional IRA or 401(k) balance up until age 70 1/2 when you must start making taxable distributions. It then uses the "recalculation" method for three cases to determine your minimum withdrawals in following years. The remainder of your balance grows tax deferred in the account until withdrawn. The three cases shown are: 1) MDIB or minimum distribution incidental benefit, the new standard for everybody! Your IRA/401(k) custodian is now required to distribute out this amount each year. 2) Single life 3) Joint life (spousal) beneficiary where the two people are exactly the same age.

Current Age:
Withdrawal Age:	70 1/2
IRA Balance:
IRA Annual Yield:

In 30 years your $ 100,000.00 will grow to $ 574,349.12

	MDIB			Single Life			Same Age Spouse
Age	Divisor	Balance	Minimum Withdrawal	Divisor	Balance	Minimum Withdrawal	Divisor	Balance	Minimum Withdrawal
70	27.4	574	20,961.65	17.0	574,349.12	33,785.24	21.8	574,349.12	26,346.29
71	26.5	587	22,182.96	16.3	575,024.82	35,277.60	20.9	582,463.77	27,869.08
72	25.6	600	23,474.08	15.5	574,248.72	37,048.30	20.0	589,542.52	29,477.13
73	24.7	613	24,838.80	14.8	571,655.33	38,625.36	19.2	595,437.95	31,012.39
74	23.8	625	26,281.12	14.1	567,329.29	40,236.12	18.4	600,151.83	32,616.95
75	22.9	636	27,805.20	13.4	561,132.93	41,875.59	17.6	603,543.99	34,292.27
76	22.0	647	29,415.37	12.7	552,925.31	43,537.43	16.8	605,464.36	36,039.55
77	21.2	656	30,969.39	12.1	542,563.41	44,839.95	16.0	605,752.68	37,859.54
78	20.3	664	32,757.38	11.4	530,277.26	46,515.55	15.2	604,238.29	39,752.52
79	19.5	672	34,467.48	10.8	515,578.35	47,738.74	14.5	600,740.07	41,430.35
80	18.7	677	36,255.37	10.2	498,774.31	48,899.44	13.8	595,354.13	43,141.60
81	17.9	682	38,122.83	9.7	479,801.33	49,464.05	13.1	587,933.77	44,880.44
82	17.1	685	40,071.33	9.1	459,125.35	50,453.34	12.4	578,329.36	46,639.46
83	16.3	686	42,101.93	8.6	436,219.54	50,723.20	11.7	566,389.65	48,409.37
84	15.5	685	44,215.18	8.1	411,669.51	50,823.40	11.1	551,963.66	49,726.46
85	14.8	682	46,097.31	7.6	385,546.28	50,729.77	10.5	535,355.02	50,986.19
86	14.1	677	48,019.67	7.1	357,949.29	50,415.39	9.9	516,490.13	52,170.72
87	13.4	669	49,976.29	6.7	329,010.85	49,106.10	9.4	495,308.82	52,692.43
88	12.7	659	51,959.60	6.3	299,645.41	47,562.76	8.8	472,334.92	53,674.42
89	12.0	647	53,960.05	5.9	270,061.37	45,773.11	8.3	447,000.59	53,855.49
90	11.4	632	55,474.71	5.5	240,491.94	43,725.81	7.8	419,965.14	53,841.68
91	10.8	614	56,933.49	5.2	211,195.65	40,614.55	7.4	391,321.36	52,881.27
92	10.2	594	58,317.76	4.9	183,252.84	37,398.54	7.0	361,919.38	51,702.77
93	9.6	572	59,605.61	4.6	156,849.47	34,097.71	6.6	331,931.77	50,292.69
94	9.1	546	60,103.41	4.3	132,162.73	30,735.52	6.2	301,554.99	48,637.90
95	8.6	519	60,424.90	4.1	109,356.97	26,672.43	5.8	271,010.38	46,725.93
96	8.1	490	60,544.25	3.8	89,245.96	23,485.78	5.5	240,545.08	43,735.47
97	7.6	459	60,432.73	3.6	71,114.94	19,754.15	5.2	211,242.31	40,623.52
98	7.1	426	60,058.21	3.4	55,627.68	16,361.08	4.8	183,293.33	38,186.11
99	6.7	391	58,498.49	3.1	42,604.26	13,743.31	4.5	156,104.82	34,689.96
100	6.3	356	56,659.97	2.9	31,417.21	10,833.52	4.2	130,781.15	31,138.37
101	5.9	321	54,528.02	2.7	22,468.72	8,321.75	3.9	107,489.65	27,561.45
102	5.5	286	52,089.13	2.5	15,495.10	6,198.04	3.6	86,377.58	23,993.77
103	5.2	251	48,382.79	2.3	10,226.76	4,446.42	3.3	67,566.46	20,474.69
104	4.9	218	44,551.66	2.1	6,393.95	3,044.74	3.0	51,145.76	17,048.59
105	4.5	186	41,522.15	1.9	3,732.85	1,964.66	2.7	37,165.92	13,765.16
106	4.2	156	37,271.07	1.7	1,992.16	1,171.86	2.4	25,630.72	10,679.47
107	3.9	128	32,989.67	1.5	939.83	626.55	2.2	16,489.10	7,495.04
108	3.7	103	27,943.15	1.4	369.67	264.05	1.9	9,983.40	5,254.42
109	3.4	81	24,014.67	1.2	127.80	106.50	1.7	5,327.98	3,134.11
110	3.1	62	20,172.32	1.1	28.97	26.33	1.5	2,513.55	1,675.70
111	2.9	46	15,901.35	1.0	4.37	4.37	1.2	988.66	823.89
112	2.6	32	12,684.39	0.0	0.26	0.00	1.0	224.10	224.10
113	2.4	22	9,280.74	0.0	0.28	0.00	0.0	13.45	0.00
114	2.1	14	6,823.56	0.0	0.29	0.00	0.0	14.25	0.00
Total Withdrawn	$ 1,799,141.19			$ 1,227,028.11			$ 1,457,458.71

Copy and paste the following HTML code into your web pages.