RMD calculator

RMD calculatorの使い方

何を計算するか、いつ使うか

Calculates the required 最小値 distribution, the 量 you must withdraw 1個あたり 年 開始 a US traditional IRAまたはworkplace plan once you reach the required 年齢.

使い方の手順

1. last 年. Enter your 残高 on 31 December
2. Enter your birth 年とthe withdrawal. the year
3. Read the RMDとthe projected schedule.

各入力項目の意味

• 残高 – the previous 年. The account 値 適用 the 終了
• Birth 年 – Decides when RMDs 開始 (73個でbirths 1951–1959, 75 開始 1960).

結果の読み方

• RMD – 残高 ÷ the Uniform Lifetime Table divisor個でyour 年齢.
• Projected schedule – Required withdrawals個でlater 年数 with an assumed growth 利率.

計算式

RMD = account 残高 on 31 December ÷ distribution 周期. The distribution 周期 comes 開始 the IRS Uniform Lifetime Table,個で例 26.5 適用 年齢 73.

計算例

the account.の500,000 An account個で26.5, so the RMD someone aged 73 has a divisorは18,868,または3.77です%

前提と限界

• Uses the Uniform Lifetime Table個でowners. Beneficiariesとspouses more than 10 年数 younger use other tables.
• The table 値 were entered 開始 the IRS table; check them against IRS Publication 590-B.

よくある間違い

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

よくある質問

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

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