Download APR Tables

There must be some website where I can download the APRs for cross-testing, right?  There should be tables for each mortality table and different interest rates. I know I can export them one at a time out of Relius but I am assuming some website has them somewhere?

The 401(a)(4) reg lists 9 separate mortality tables that may be used, plus the 417(e) applicable table, for a total of 10 mortality tables.

Since you can use any interest rate between 7.50% and 8.50%, in 0.01% increments, that's a total of 100 possible interest rates.

So there are a total of 1000 possible combinations of mortality table and interest rate, or 1000 possible APR tables just for cross-testing! I don't think anyone has all of them posted somewhere free for download. I would suggest just picking the ones you use most often and downloading them out of your software.

Well it would just be 7.5, 8 and 8.5 in my view, LOL, so should be just 30.  Is there anywhere that just has a bunch of them?  IT's just hard to believe there is not a repository for any of these things.  It seems unlikley that every actuary is building these APR tables on their own every time.  I guess its possible of course.

Anyway I thought I would give it a try out here...

Ah, a great reason to hire an actuary!  

I'm retired, with expired continuing education, so I cannot do it for you, but can recommend several very good pension actuaries.

11 hours ago, david rigby said:

Ah, a great reason to hire an actuary!  

I'm retired, with expired continuing education, so I cannot do it for you, but can recommend several very good pension actuaries.

That just seems so hard to believe that these tables used over and over and over by thousands of people every day are not saved somewhere and are rather created from scratch.  But I've heard it enough times from y'all to believe it anyway.

Maybe I'll put together my own website.  APsAPRs.com.  I'll sell ads even...

Can your recordkeeping software export it?  I have a 25-year-old Excel spreadsheet I use for DC cross-testing, and I know I was able to just manually enter the APRs for 8.5%/UP84 (which would almost always prevail for my plans anyway) for all relevant ages off a printout from either Quantech or Pentabs at the time.

Anyone know how to pull them out of Relius?  I guess that's what I will have to do.

yeah, go to Data Entry -> Tables -> Actuarial -> Annuities

Enter your interest rate, your mortality table, and the age range you want and it'll give you a list, looks like this:

On 4/29/2025 at 4:34 PM, C. B. Zeller said:

The 401(a)(4) reg lists 9 separate mortality tables that may be used, plus the 417(e) applicable table, for a total of 10 mortality tables.

CB, Relius lists so many more than 10.  Do you know which 10 are relevant?

These are the ones listed in the reg (formatted to be easier to read):

Quote

Standard mortality table. Standard mortality table means one of the following tables:

• the UP-1984 Mortality Table (Unisex);
• the 1983 Group Annuity Mortality Table (1983 GAM) (Female);
• the 1983 Group Annuity Mortality Table (1983 GAM) (Male);
• the 1983 Individual Annuity Mortality Table (1983 IAM) (Female);
• the 1983 Individual Annuity Mortality Table (1983 IAM) (Male);
• the 1971 Group Annuity Mortality Table (1971 GAM) (Female);
• the 1971 Group Annuity Mortality Table (1971 GAM) (Male);
• the 1971 Individual Annuity Mortality Table (1971 IAM) (Female); or
• the 1971 Individual Annuity Mortality Table (1971 IAM) (Male).

These standard mortality tables are available from the Society of Actuaries, 475 N. Martingale Road, Suite 800, Schaumberg, Illinois 60173. The Commissioner may, in revenue rulings, notices, and other guidance of general applicability, change the definition of standard mortality table. See § 601.601(d)(2)(ii)(b) of this Chapter.

• The applicable mortality table under section 417(e)(3)(A)(ii)(I) is also a standard mortality table.

37 minutes ago, C. B. Zeller said:

he applicable mortality table under section 417(e)(3)(A)(ii)(I) is also a standard mortality table.

Anyone know what this one is called in Relius?

Bri / CB Zeller, THANK YOU BOTH VERY MUCH!  I have a testing tool that I use and I want to be able to use any of these available tables so I can recreate the results of any other provider.  I will post it here as an attachment when I am done!

It's listed as 2024 Applicable, 2025 Applicable, etc., with a separate table for each year.  

Oh ok I will just skip that one then.

As promised.  Hopefully people can find them when they need them!

I ran these reports off of Relius. Before even opening them I marked as read-only.  I then copied and pasted the data into one multi-column spreadsheet where each column has a unique mortality table and interest rate.  I just used 7.5, 8 and 8.5.

All APRs (7.5, 8 and 8.5).csv 1984 USP 8.5.txt 1984 USP 8.txt 1984 USP 7.5.txt 1983 IAM Female 8.5.txt 1983 IAM Female 8.txt 1983 IAM Female 7.5.txt 1971 IAM Male 8.5.txt 1971 IAM Male 8.txt 1971 IAM Male 7.5.txt 1971 IAM Female 8.5.txt 1971 IAM Female 8.txt 1971 IAM Female 7.5.txt 1971 GAM Male 8.5.txt 1971 GAM Male 8.txt 1971 GAM Male 7.5.txt 1971 GAM Female 8.5.txt 1971 GAM Female 8.txt 1971 GAM Female 7.5.txt 1983 IAM Male - 8.5.txt 1983 IAM Male - 8.txt 1983 IAM Male - 7.5.txt 1983 GAM Male - 8.5.txt 1983 GAM Male - 8.txt 1983 GAM Male - 7.5.txt 1983 GAM Female - 8.5.txt 1983 GAM Female - 8.txt 1983 GAM Female - 7.5.txt