Kalkulator RMD
Required minimum distribution saka IRA tradisional utawa 401(k) AS, nganggo IRS Uniform Lifetime Table.
Babagan Kalkulator RMD
Required minimum distribution saka IRA tradisional utawa 401(k) AS, nganggo IRS Uniform Lifetime Table.
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Carane nganggo Kalkulator RMD
Apa sing dietung lan kapan nganggo
Ngetung required minimum distribution (RMD), jumlah sing kudu dijupuk saben taun saka IRA tradisional utawa rencana papan kerja ing AS sawise tekan umur sing ditemtokake.
Carane nganggo, langkah demi langkah
- Lebokna saldo tanggal 31 Desember taun kepungkur.
- Lebokna taun lair lan taun penarikan.
- Waca RMD lan jadwal sing dibatang.
Tegese saben input
- Saldo – The account Nilai at the Rampung the previous taun.
- Birth taun – Decides when RMDs Wiwit (73 kanggo births 1951–1959, 75 from 1960).
Carane maca asile
- RMD – Balance ÷ the Uniform Lifetime Table divisor for your age.
- Projected schedule – Required withdrawals for later years with an assumed growth rate.
Rumus
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.
Conto petungan
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.
Asumsi lan watesan
- 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.
Kesalahan umum
- Missing an RMD, which carries a penalty.
- Using the salah year-end Saldo.
Pitakonan sing kerep ditakokake
Apa Roth IRA duwe RMD?
Ora kanggo sing duwe asli. Roth 401(k) wis ora duwe RMD saumur urip wiwit 2024.
Kapan RMD pisanan kudu dijupuk?
Paling telat 1 April taun sawise panjenengan tekan umur sing ditemtokake; sabanjure paling telat 31 Desember.
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.
Piranti sing gegandhengan
Rincian
- Distribution Periode
- 26.5IRS Uniform Lifetime Tabel
- Bagekake the account
- 3.77%
- Ngarep RMD age kanggo your birth taun
- 73
Projected required withdrawals
| Age | Wiwit Saldo | 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 |