RMD-Rechner
Berechnen Sie Ihre erforderliche Mindestausschüttung aus traditionellen IRAs, 401(k)s und anderen Rentenkonten basierend auf den Regeln des SECURE Act 2.0.
Ihre Daten
SECURE Act 2.0 RMD-Alter
- • Geboren 1950 oder früher: 72
- • Geboren 1951-1959: 73
- • Geboren 1960 oder später: 75
Enter your birth year, account balance, and details to see your required minimum distribution and year-by-year schedule.
RMD des laufenden Jahres
$0
Monatlich: $0
Verteilungszeitraum
0
Aktuelles Alter
0
RMD-Startalter
73
Ost. Steuer (22 %)
$0
Kontostand
$0
RMD-Projektionen
Kontostand im Zeitverlauf
RMD-Zeitplan für jedes Jahr
| Jahr | Alter | Startguthaben | Faktor | RMD | Endbilanz |
|---|
Vollständiges Benutzerhandbuch
Was ist eine erforderliche Mindestausschüttung?
An RMD is the minimum amount you must withdraw from tax-deferred retirement accounts (Traditional IRA, 401(k), 403(b), SEP IRA, SIMPLE IRA) each year once you reach the required age. The IRS requires this so you pay taxes on tax-deferred savings. Roth IRAs do not require RMDs during your lifetime.
What Your Results Mean
Current Year RMD & Distribution Period
The amount you must withdraw this year. The distribution period is your life expectancy factor from the IRS Uniform Lifetime Table (balance ÷ factor = RMD).
Year-by-Year Schedule
Projected RMDs and account balance over time. Before your RMD start age, no RMD is required; after that, RMD and growth are applied each year.
So verwenden Sie diesen Rechner
- Enter your birth year (RMD start age is set by SECURE Act 2.0: 72 / 73 / 75)
- Select account type and enter prior year-end balance
- Set expected annual return for projections. Optionally add spouse as sole beneficiary.
- Click Calculate to see your RMD and schedule.
Formulas & SECURE Act 2.0
RMD = Prior year-end balance ÷ life expectancy factor (IRS Uniform Lifetime Table). SECURE Act 2.0: Born 1950 or earlier start at 72; 1951–1959 at 73; 1960+ at 75. Deadline: December 31 each year (first RMD can delay to April 1 of next year, but then two RMDs that year).
Missing an RMD: 25%% excise tax on the shortfall (may be reduced to 10%% if corrected promptly).
Wichtige Hinweise
- Multiple IRAs: Calculate RMD per IRA, but you may take the total from any one or combination. 401(k)s must be taken from each plan separately.
- For education only. Not tax or legal advice.
Tips
You can withdraw more than your RMD; the excess does not count toward future years. Estimated tax in the results assumes a 22%% rate; your actual rate may differ. Consider QCDs (qualified charitable distributions) if you are 70½+ to satisfy RMD with tax-free gifts.