Kalkulator RMD

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2. 2
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3. 3
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About this tool

Enter your age this year and your account balance at the end of last year. The tool divides the balance by the distribution factor from the IRS Uniform Lifetime Table to show your required minimum distribution. It works for traditional IRAs and most 401(k) plans.

What an RMD is

Once you reach the required age, which is 73 for those born before 1960, you must withdraw a minimum amount each year from traditional retirement accounts. The amount is your prior year-end balance divided by a life expectancy factor.

Example

At 75 with $500,000, the factor is 24.6, so the RMD is about $20,325.

Notes

If your spouse is the sole beneficiary and more than ten years younger, a different table applies. Roth IRAs have no RMDs for the owner. Missing an RMD can bring a 25 percent excise tax, or 10 percent if corrected quickly.

Contoh berselesaian

With the boxes at their starting values (Account balance at last year-end ($): 500000; Your age this year: 75), the tool shows: Distribution factor: 24.6; Share of the balance: 4.1%; Required minimum distribution ($): 20,325. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Petua untuk hasil terbaik

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