How is my RMD amount calculated?
Your annual RMD amount varies from year to year. It is based on your TDA balance at the end of the previous year (including any outstanding TDA loan balances) and a life expectancy factor. If you are under 75, any Pre-1987 funds (all TDA contributions and earnings as of December 31, 1986) are excluded from the RMD.
If you have only one primary beneficiary for your TDA account, the beneficiary's age may also be a factor.