Using the joint life expectancy table generally results in a lower RMD amount. This table applies for distribution calendar years beginning on or after January 2, 2022. Use the IRS joint life expectancy table to calculate your annual solo 401k required minimum distribution (RMD) If you have a spouse who’s more than 10 years younger than you, and your spouse is listed as the sole beneficiary of your solo 401k account.
CLICK HERE to view the solo 401k joint life expectancy table.
You may also use the My Solo 401k Financial on-line RMD calculator to calculate your RMD.