RMD 计算器

使用方法

1. 1
   填写各项

   输入数字或选择所需选项。

2. 2
   查看结果

   更改任何值时，答案会立即更新。

3. 3
   使用结果

   复制结果或记下来。不会向任何地方发送任何内容。

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.

计算示例

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.

获得最佳结果的提示

在相信结果之前先检查每一个输入项，因为一个错误的数字就会改变整个答案。请使用工资单、账单、证书或合同上的准确数字，并记下计算日期。税率、门槛和规则会不时变化，因此对于税费和法律事务，请将结果视为估算，并与本页注明的官方来源核对。您可以尝试任意多个方案；不会保存或发送任何内容，刷新页面会清空输入。