Kikokotoo cha RMD
Kiwango cha chini cha lazima cha kutoa (RMD) kutoka IRA ya kawaida au 401(k) ya Marekani, kwa kutumia IRS Uniform Lifetime Table.
Kuhusu Kikokotoo cha RMD
Kiwango cha chini cha lazima cha kutoa (RMD) kutoka IRA ya kawaida au 401(k) ya Marekani, kwa kutumia IRS Uniform Lifetime Table.
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Jinsi ya kutumia Kikokotoo cha RMD
Kinachohesabu na wakati wa kukitumia
Kinakokotoa utoaji wa lazima wa kiwango cha chini (RMD), kiasi unachopaswa kutoa kila mwaka kutoka IRA ya kawaida ya Marekani au mpango wa kazini mara unapofikia umri unaotakiwa.
Jinsi ya kukitumia, hatua kwa hatua
- Weka salio lako la tarehe 31 Desemba ya mwaka uliopita.
- Weka mwaka wako wa kuzaliwa na mwaka wa kutoa pesa.
- Soma RMD na ratiba inayokadiriwa.
Maana ya kila ingizo
- Salio – The account Thamani at the Mwisho ya the previous mwaka.
- Birth mwaka – Decides when RMDs Anza (73 kwa births 1951–1959, 75 from 1960).
Jinsi ya kusoma matokeo
- RMD – Balance ÷ the Uniform Lifetime Table divisor for your age.
- Projected schedule – Required withdrawals for later years with an assumed growth rate.
Fomula
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.
Mfano uliofanyiwa kazi
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.
Dhana na mipaka
- 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.
Makosa ya kawaida
- Missing an RMD, which carries a penalty.
- Using the si sahihi year-end Salio.
Maswali yanayoulizwa mara kwa mara
Je, Roth IRA zina RMD?
Si kwa mmiliki wa awali. Roth 401(k) hazina tena RMD za maisha kuanzia 2024.
RMD ya kwanza inadaiwa lini?
Kufikia 1 Aprili ya mwaka unaofuata ule uliofikia umri unaotakiwa; zinazofuata kufikia 31 Desemba.
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.
Zana zinazohusiana
Maelezo
- Distribution Kipindi
- 26.5IRS Uniform Lifetime Jedwali
- Asilimia ya the account
- 3.77%
- Kwanza RMD age kwa your birth mwaka
- 73
Projected required withdrawals
| Age | Anza Salio | 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 |