RMD calculator
Required 最小值 distribution 从 a US traditional IRA 或 401(k), using the IRS Uniform Lifetime Table.
关于RMD calculator
Required 最小值 distribution 从 a US traditional IRA 或 401(k), using the IRS Uniform Lifetime Table.
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如何使用RMD calculator
它计算什么，何时使用
Calculates the required 最小值 distribution, the 数量 you must withdraw 每件 年份 从 a US traditional IRA 或 workplace plan once you reach the required 年龄.
使用步骤
- Enter your 余额 on 31 December last 年份.
- Enter your birth 年份 和 the year the withdrawal.
- Read the RMD 和 the projected schedule.
各输入项的含义
- 余额 – The account 数值 以 the 结束 the previous 年份.
- Birth 年份 – Decides when RMDs 开始 (73件births 1951–1959, 75 从 1960).
如何阅读结果
- RMD – 余额 ÷ the Uniform Lifetime Table divisor件your 年龄.
- Projected schedule – Required withdrawals件later 年数 with an assumed growth 利率.
公式
RMD = account 余额 on 31 December ÷ distribution 周期. The distribution 周期 comes 从 the IRS Uniform Lifetime Table,件示例 26.5 以 年龄 73.
计算示例
the account. 的 An account 500,000件someone aged 73 has a divisor 26.5, so the RMD 是 18,868, 或 3.77%
假设与局限
- Uses the Uniform Lifetime Table件owners. Beneficiaries 和 spouses more than 10 years younger use other tables.
- The table 数值 were entered 从 the IRS table; check them against IRS Publication 590-B.
常见错误
- Missing an RMD, which carries a penalty.
- Using the wrong year-end 余额.
常见问题
操作 Roth IRAs have RMDs?
Not件the 原文 owner. Roth 401(k)s 否 longer have lifetime RMDs 从 2024.
When 是 the first RMD due?
By 1 April the 年份 after you reach the required 年龄; later ones by 31 December.
Dated rules: US federal figures件tax year 2026 (IRS Rev. Proc. 2025-32 和 IRS notices). These calculators are estimates件planning, not tax advice.
相关工具
详情
- Distribution 周期
- 26.5IRS Uniform Lifetime Table
- 占比 the account
- 3.77%
- First RMD 年龄件your birth 年份
- 73
Projected required withdrawals
| 年龄 | 开始 余额 | 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 |