Υπολογιστής RMD

Υπολογίστε την απαιτούμενη ελάχιστη κατανομή σας από παραδοσιακούς IRA, 401(k) και άλλους λογαριασμούς συνταξιοδότησης με βάση τους κανόνες SECURE Act 2.0.

Τα στοιχεία σας

Τα στοιχεία σας

Η ηλικία έναρξης RMD θα υπολογιστεί

Στοιχεία λογαριασμού

$

Χρησιμοποιήστε το υπόλοιπο από το τέλος του προηγούμενου έτους

%

Πληροφορίες συζύγου (προαιρετικά)

SECURE Act 2.0 RMD Ages

  • • Γεννήθηκε το 1950 ή νωρίτερα: 72
  • • Γεννημένοι 1951-1959: 73
  • • Γεννήθηκε το 1960 ή αργότερα: 75

Enter your birth year, account balance, and details to see your required minimum distribution and year-by-year schedule.

Πλήρης Οδηγός χρήσης

Τι είναι η Απαιτούμενη Ελάχιστη Διανομή;

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.

Πώς να χρησιμοποιήσετε αυτήν την αριθμομηχανή

  1. Enter your birth year (RMD start age is set by SECURE Act 2.0: 72 / 73 / 75)
  2. Select account type and enter prior year-end balance
  3. Set expected annual return for projections. Optionally add spouse as sole beneficiary.
  4. 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).

Σημαντικές Σημειώσεις

  • 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.

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