Na'urar lissafin RMD
Mafi ƙarancin cire kuɗi da ake buƙata (RMD) daga traditional IRA ko 401(k) na Amurka, ta amfani da IRS Uniform Lifetime Table.
Game da Na'urar lissafin RMD
Mafi ƙarancin cire kuɗi da ake buƙata (RMD) daga traditional IRA ko 401(k) na Amurka, ta amfani da IRS Uniform Lifetime Table.
Ɓangare ne na sashen “Ritaya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin RMD
Abin da yake lissafawa da lokacin amfani da shi
Yana lissafa required minimum distribution (RMD), adadin da dole ku cire kowace shekara daga traditional IRA ko tsarin wurin aiki na Amurka da zarar kun kai shekarun da ake buƙata.
Yadda ake amfani da shi, mataki-mataki
- Shigar da adadin da ke cikin asusunku a ranar 31 ga Disamba na shekarar da ta wuce.
- Shigar da shekarar haihuwarku da shekarar cirewa.
- Karanta RMD da jadawalin da aka hasashe.
Ma'anar kowace shigarwa
- Saura – The account Ƙima at the Ƙarshe na the previous shekara.
- Birth shekara – Decides when RMDs Farawa (73 akan births 1951–1959, 75 from 1960).
Yadda ake karanta sakamako
- RMD – Balance ÷ the Uniform Lifetime Table divisor for your age.
- Projected schedule – Required withdrawals for later years with an assumed growth rate.
Dabarar lissafi
RMD = account balance on 31 December ÷ distribution period. The distribution period comes from the IRS Uniform Lifetime Table, for example 26.5 at age 73.
Misali da aka warware
An account of 500,000 for someone aged 73 has a divisor of 26.5, so the RMD is 18,868, or 3.77% of the account.
Zato da iyakoki
- Uses the Uniform Lifetime Table for owners. Beneficiaries and spouses more than 10 years younger use other tables.
- The table values were entered from the IRS table; check them against IRS Publication 590-B.
Kurakuran da aka saba yi
- Missing an RMD, which carries a penalty.
- Using the kuskure year-end Saura.
Tambayoyin da ake yawan yi
Shin Roth IRA suna da RMD?
Ba ga mai shi na asali ba. Roth 401(k) ba su da RMD na rayuwa daga 2024.
Yaushe RMD na farko ke cika?
Kafin 1 ga Afrilu na shekarar bayan kun kai shekarun da ake buƙata; na gaba kuma kafin 31 ga Disamba.
Dated rules: US federal figures for tax year 2026 (IRS Rev. Proc. 2025-32 and IRS notices). These calculators are estimates for planning, not tax advice.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Distribution Lokaci (period)
- 26.5IRS Uniform Lifetime Tebur
- Raba na the account
- 3.77%
- Na farko RMD age akan your birth shekara
- 73
Projected required withdrawals
| Age | Farawa Saura | Divisor | RMD |
|---|---|---|---|
| 73 | £500,000 | 26.5 | £18,868 |
| 74 | £505,189 | 25.5 | £19,811 |
| 75 | £509,646 | 24.6 | £20,717 |
| 76 | £513,375 | 23.7 | £21,661 |
| 77 | £516,300 | 22.9 | £22,546 |
| 78 | £518,441 | 22 | £23,566 |
| 79 | £519,620 | 21.1 | £24,627 |
| 80 | £519,743 | 20.2 | £25,730 |
| 81 | £518,714 | 19.4 | £26,738 |
| 82 | £516,575 | 18.5 | £27,923 |
| 83 | £513,084 | 17.7 | £28,988 |
| 84 | £508,301 | 16.8 | £30,256 |