RMD 계산기
SECURE Act 2.0 규칙에 따라 Traditional IRA, 401(k) 및 기타 퇴직 계좌에서 필요한 최소 분배액을 계산하세요.
귀하의 세부 정보
보안법 2.0 RMD 연령
- • 1950년 이전 출생: 72세
- • 1951년부터 1959년까지 출생: 73세
- • 1960년 이후 출생: 75세
Enter your birth year, account balance, and details to see your required minimum distribution and year-by-year schedule.
금년 RMD
$0
월간 간행물: $0
배포기간
0
현재 연령
0
RMD 시작 연령
73
동쪽. 세금(22%)
$0
계정 잔액
$0
RMD 예측
시간 경과에 따른 계정 잔액
연도별 RMD 일정
| 년도 | 나이 | 시작 잔액 | 요인 | RMD | 기말 잔액 |
|---|
전체 사용자 가이드
필수 최소 분배란 무엇입니까?
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.
이 계산기를 사용하는 방법
- 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).
중요 사항
- 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.