RMD calculator
Required minimum distribution mula sa US traditional IRA o 401(k), gamit ang IRS Uniform Lifetime Table.
Tungkol sa RMD calculator
Required minimum distribution mula sa US traditional IRA o 401(k), gamit ang IRS Uniform Lifetime Table.
Bahagi ng seksyong “Pagreretiro” ng SmartCalcy. Tumatakbo ito sa browser mo nang walang account, gumagamit ng sarili mong currency at units (palitan ang mga ito sa itaas ng page), at nagbibigay ng tantiya para sa impormasyon lamang, kaya tingnan ang opisyal na gabay bago umasa sa resulta.
Paano gamitin ang RMD calculator
Ano ang kinukuwenta nito at kailan ito gagamitin
Kinukuwenta ang required minimum distribution, ang halagang dapat mong i-withdraw bawat taon mula sa US traditional IRA o workplace plan kapag naabot mo na ang itinakdang edad.
Paano ito gamitin, hakbang-hakbang
- Ilagay ang balanse mo noong 31 December ng nakaraang taon.
- Ilagay ang taon ng kapanganakan mo at ang taon ng withdrawal.
- Basahin ang RMD at ang inaasahang schedule.
Ano ang ibig sabihin ng bawat input
- Balanse – The account Halaga at the Katapusan na the previous taon.
- Birth taon – Decides when RMDs Simula (73 sa halagang births 1951–1959, 75 from 1960).
Paano basahin ang mga resulta
- RMD – Balance ÷ the Uniform Lifetime Table divisor for your age.
- Projected schedule – Required withdrawals for later years with an assumed growth rate.
Ang formula
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.
Isang halimbawa
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.
Mga palagay at limitasyon
- 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.
Karaniwang pagkakamali
- Missing an RMD, which carries a penalty.
- Using the wrong year-end Balanse.
Mga madalas itanong
May RMD ba ang Roth IRA?
Wala para sa orihinal na may-ari. Wala na ring lifetime RMD ang Roth 401(k) mula 2024.
Kailan dapat ang unang RMD?
Bago mag-1 April ng taon pagkatapos mong maabot ang itinakdang edad; ang mga susunod ay bago mag-31 December.
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.
Kaugnay na tools
Detalye
- Distribution period
- 26.5IRS Uniform Lifetime Table
- Bahagi na the account
- 3.77%
- First RMD age sa halagang your birth taon
- 73
Projected required withdrawals
| Age | Simula Balanse | 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 |