आरएमडी कैलकुलेटर
SECURE अधिनियम 2.0 नियमों के आधार पर पारंपरिक IRAs, 401(k)s, और अन्य सेवानिवृत्ति खातों से अपने आवश्यक न्यूनतम वितरण की गणना करें।
आपका विवरण
सिक्योर एक्ट 2.0 आरएमडी आयु
- • 1950 या उससे पहले जन्मे: 72
- • जन्म 1951-1959: 73
- • 1960 या उसके बाद जन्म: 75
Enter your birth year, account balance, and details to see your required minimum distribution and year-by-year schedule.
चालू वर्ष आरएमडी
$0
महीने के: $0
वितरण अवधि
0
वर्तमान आयु
0
आरएमडी प्रारंभ आयु
73
पूर्व। कर (22%)
$0
खाते में शेष
$0
आरएमडी अनुमान
समय के साथ खाते का शेष
वर्ष-दर-वर्ष आरएमडी अनुसूची
| वर्ष | आयु | शुरुआती संतुलन | कारक | आरएमडी | समाप्ति संतुलन |
|---|
संपूर्ण उपयोगकर्ता मार्गदर्शिका
आवश्यक न्यूनतम वितरण क्या है?
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.
इस कैलकुलेटर का उपयोग कैसे करें
- 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).
महत्वपूर्ण नोट्स
- 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.