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The table is explicitly effective January 1, 2022 and references IRS Publication 590-B, Appendix B for 2022 and 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71 | 72 | 73 | 74 | 75 | 76 | 77 |\n| 45 | 41.5 | 41.5 | 41.4 | 41.4 | 41.3 | 41.3 | 41.2 | 41.2 |\n| 46 | 40.6 | 40.6 | 40.5 | 40.4 | 40.4 | 40.3 | 40.3 | 40.3 |\n| 47 | 39.7 | 39.7 | 39.6 | 39.5 | 39.5 | 39.4 | 39.4 | 39.3 |\n| 48 | 38.8 | 38.8 | 38.7 | 38.6 | 38.6 | 38.5 | 38.5 | 38.4 |\n| 49 | 38.0 | 37.9 | 37.8 | 37.7 | 37.7 | 37.6 | 37.5 | 37.5 |\n| 50 | 37.1 | 37.0 | 36.9 | 36.8 | 36.8 | 36.7 | 36.6 | 36.6 |\n| 51 | 36.2 | 36.1 | 36.0 | 36.0 | 35.9 | 35.8 | 35.7 | 35.7 |\n| 52 | 35.4 | 35.3 | 35.2 | 35.1 | 35.0 | 34.9 | 34.9 | 34.8 |\n| 53 | 34.6 | 34.5 | 34.3 | 34.2 | 34.1 | 34.1 | 34.0 | 33.9 |\n| 54 | 33.8 | 33.6 | 33.5 | 33.4 | 33.3 | 33.2 | 33.1 | 33.0 |\n| 55 | 33.0 | 32.8 | 32.7 | 32.6 | 32.4 | 32.4 | 32.3 | 32.2 |\n| 56 | 32.2 | 32.0 | 31.9 | 31.7 | 31.6 | 31.5 | 31.4 | 31.3 |\n| 57 | 31.4 | 31.2 | 31.1 | 30.9 | 30.8 | 30.7 | 30.6 | 30.5 |\n| 58 | 30.7 | 30.5 | 30.3 | 30.1 | 30.0 | 29.9 | 29.8 | 29.7 |\n| 59 | 29.9 | 29.7 | 29.5 | 29.4 | 29.2 | 29.1 | 29.0 | 28.8 |\n| 60 |  | 29.0 | 28.8 | 28.6 | 28.4 | 28.3 | 28.2 | 28.0 |\n| 61 |  |  | 28.1 | 27.9 | 27.7 | 27.5 | 27.4 | 27.3 |\n| 62 |  |  |  | 27.2 | 27.0 | 26.8 | 26.6 | 26.5 |\n| 63 |  |  |  |  | 26.2 | 26.1 | 25.9 | 25.7 |\n| 64 |  |  |  |  |  | 25.3 | 25.2 | 25.0 |\n| 65 |  |  |  |  |  |  | 24.4 | 24.3 |\n| 66 |  |  |  |  |  |  |  | 23.5 |\n| Spouse Beneficiary Age |  |  |  |  |  |  |  |  |\n\n\n| IRA Owner Age 86–93\u003Cbr>Spouse Beneficiary Age 61–82\u003Cbr>IRA OWNER AGE |  |  |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n|  | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 |\n| 61 | 26.6 | 26.5 | 26.5 | 26.4 | 26.4 | 26.4 | 26.4 | 26.4 |\n| 62 | 25.7 | 25.7 | 25.6 | 25.6 | 25.6 | 25.6 | 25.5 | 25.5 |\n| 63 | 24.9 | 24.9 | 24.8 | 24.8 | 24.7 | 24.7 | 24.7 | 24.7 |\n| 64 | 24.1 | 24.0 | 24.0 | 24.0 | 23.9 | 23.9 | 23.9 | 23.8 |\n| 65 | 23.3 | 23.2 | 23.2 | 23.1 | 23.1 | 23.1 | 23.0 | 23.0 |\n| 66 | 22.5 | 22.4 | 22.4 | 22.3 | 22.3 | 22.3 | 22.2 | 22.2 |\n| 67 | 21.7 | 21.6 | 21.6 | 21.5 | 21.5 | 21.5 | 21.4 | 21.4 |\n| 68 | 20.9 | 20.9 | 20.8 | 20.7 | 20.7 | 20.7 | 20.6 | 20.6 |\n| 69 | 20.2 | 20.1 | 20.0 | 20.0 | 19.9 | 19.9 | 19.8 | 19.8 |\n| 70 | 19.4 | 19.3 | 19.2 | 19.2 | 19.1 | 19.1 | 19.0 | 19.0 |\n| 71 | 18.7 | 18.6 | 18.5 | 18.4 | 18.4 | 18.3 | 18.3 | 18.2 |\n| 72 | 17.9 | 17.8 | 17.7 | 17.7 | 17.6 | 17.5 | 17.5 | 17.4 |\n| 73 | 17.2 | 17.1 | 17.0 | 16.9 | 16.9 | 16.8 | 16.7 | 16.7 |\n| 74 | 16.5 | 16.4 | 16.3 | 16.2 | 16.1 | 16.1 | 16.0 | 15.9 |\n| 75 | 15.9 | 15.7 | 15.6 | 15.5 | 15.4 | 15.3 | 15.3 | 15.2 |\n| 76 |  | 15.1 | 14.9 | 14.8 | 14.7 | 14.6 | 14.6 | 14.5 |\n| 77 |  |  | 14.3 | 14.2 | 14.1 | 14.0 | 13.9 | 13.8 |\n| 78 |  |  |  | 13.5 | 13.4 | 13.3 | 13.2 | 13.1 |\n| 79 |  |  |  |  | 12.8 | 12.7 | 12.6 | 12.5 |\n| 80 |  |  |  |  |  | 12.1 | 11.9 | 11.9 |\n| 81 |  |  |  |  |  |  | 11.4 | 11.3 |\n| 82 |  |  |  |  |  |  |  | 10.7 |\n| Spouse Beneficiary Age |  |  |  |  |  |  |  |  |\n\nSource: IRS Publication 590-B, Appendix B for 2022 and thereafter.  \n\n| IRA Owner Age 78–85\u003Cbr>Spouse Beneficiary Age 53–74\u003Cbr>IRA OWNER AGE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n|  | 78 | 79 |  | 80 |  | 81 |  | 82 |  | 83 |  | 84 |  | 85 |\n| 53 | 33.9 | 33.8 |  | 33.7 |  | 33.7 |  | 33.7 |  | 33.6 |  | 33.6 |  | 33.6 |\n| 54 | 33.0 | 32.9 |  | 32.9 |  | 32.8 |  | 32.8 |  | 32.7 |  | 32.7 |  | 32.7 |\n| 55 | 32.1 | 32.0 |  | 32.0 |  | 31.9 |  | 31.9 |  | 31.8 |  | 31.8 |  | 31.8 |\n| 56 | 31.2 | 31.2 |  | 31.1 |  | 31.1 |  | 31.0 |  | 31.0 |  | 30.9 |  | 30.9 |\n| 57 | 30.4 | 30.3 |  | 30.3 |  | 30.2 |  | 30.1 |  | 30.1 |  | 30.0 |  | 30.0 |\n| 58 | 29.6 | 29.5 |  | 29.4 |  | 29.3 |  | 29.3 |  | 29.2 |  | 29.2 |  | 29.1 |\n| 59 | 28.7 | 28.7 |  | 28.6 |  | 28.5 |  | 28.4 |  | 28.4 |","cbCaisJtOP03XgoV","https://ap.wps.com/l/cbCaisJtOP03XgoV","pdf",97231,"English","# Joint Life Expectancy Table\n## Effective date and source\n## Life expectancy factors by age range","[{\"question\":\"What does the Joint Life Expectancy Table provide?\",\"answer\":\"It provides joint life expectancy values for combinations of IRA owner age and spouse beneficiary age in an indexed grid.\"},{\"question\":\"When does the table take effect?\",\"answer\":\"The table is effective January 1, 2022.\"},{\"question\":\"What is the stated source for the table values?\",\"answer\":\"The document cites IRS Publication 590-B, Appendix B for 2022 and thereafter.\"}]","Morgan Stanley Joint Life Expectancy Table - Table effective January 1, 2022 | PDF",1791902846]