RMD calculator

Cara menggunakan RMD calculator

Apa yang dihitung dan kapan digunakan

Calculates the required minimum distribution, the Jumlah you must withdraw Per buah Tahun Dari a US traditional IRA atau workplace plan once you reach the required Usia.

Cara menggunakan, langkah demi langkah

1. Enter your Saldo on 31 December last Tahun.
2. Enter your birth Tahun dan the year the withdrawal.
3. Read the RMD dan the projected schedule.

Arti setiap input

• Saldo – The account Nilai Pada the Selesai the previous Tahun.
• Birth Tahun – Decides when RMDs Mulai (73 seharga births 1951–1959, 75 Dari 1960).

Cara membaca hasil

• RMD – Saldo ÷ the Uniform Lifetime Table divisor seharga your Usia.
• Projected schedule – Required withdrawals seharga later Tahun with an assumed growth Suku bunga.

Rumus

RMD = account Saldo on 31 December ÷ distribution Periode. The distribution Periode comes Dari the IRS Uniform Lifetime Table, seharga Contoh 26.5 Pada Usia 73.

Contoh perhitungan

An account 500,000 seharga someone aged 73 has a divisor 26.5, so the RMD adalah 18,868, atau 3.77% dari the account.

Asumsi dan batasan

• Uses the Uniform Lifetime Table seharga owners. Beneficiaries dan spouses more than 10 years younger use other tables.
• The table Nilai were entered Dari the IRS table; check them against IRS Publication 590-B.

Kesalahan umum

• Missing an RMD, which carries a penalty.
• Using the wrong year-end Saldo.

Pertanyaan yang sering diajukan

Dated rules: US federal figures seharga tax year 2026 (IRS Rev. Proc. 2025-32 dan IRS notices). These calculators are estimates seharga planning, not tax advice.

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