RMD Hesaplayıcı
GÜVENLİ Yasa 2.0 kurallarına dayalı olarak Geleneksel IRA'lar, 401(k)'ler ve diğer emeklilik hesaplarından gerekli minimum dağıtımınızı hesaplayın.
Detaylarınız
GÜVENLİ Act 2.0 RMD Yaşları
- • 1950 ve öncesi doğanlar: 72
- • 1951-1959 doğumlular: 73
- • 1960 ve üzeri doğumlular: 75
Enter your birth year, account balance, and details to see your required minimum distribution and year-by-year schedule.
Cari Yıl RMD
$0
Aylık: $0
Dağıtım Dönemi
0
Mevcut Yaş
0
RMD Başlangıç Yaşı
73
Doğu. Vergi (%22)
$0
Hesap Bakiyesi
$0
RMD Projeksiyonları
Zaman İçinde Hesap Bakiyesi
Yıllık RMD Programı
| Yıl | Yaş | Başlangıç Bakiyesi | Faktör | RMD | Bitiş Bakiyesi |
|---|
Kullanım Kılavuzunu Tamamlayın
Gerekli Minimum Dağıtım Nedir?
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.
Bu Hesap Makinesi Nasıl Kullanılır?
- 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).
Önemli Notlar
- 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.