Pflichtmindestentnahme-Rechner (RMD) — Formel
## Required Minimum Distributions
**RMD = Account Balance / Distribution Period**
Starting at age 73 (SECURE 2.0 Act), you must withdraw minimum amounts from Traditional IRAs and 401(k)s each year.
### Approximate Distribution Periods
| Age | Period | ~RMD % |
|---|---|---|
| 73 | 26.5 | 3.77% |
| 75 | 24.6 | 4.07% |
| 80 | 20.2 | 4.95% |
| 85 | 16.0 | 6.25% |
| 90 | 12.2 | 8.20% |
**RMD = Account Balance / Distribution Period**
Starting at age 73 (SECURE 2.0 Act), you must withdraw minimum amounts from Traditional IRAs and 401(k)s each year.
### Approximate Distribution Periods
| Age | Period | ~RMD % |
|---|---|---|
| 73 | 26.5 | 3.77% |
| 75 | 24.6 | 4.07% |
| 80 | 20.2 | 4.95% |
| 85 | 16.0 | 6.25% |
| 90 | 12.2 | 8.20% |
Lösungsbeispiel
$500,000 balance at age 75.
- Distribution period at 75 = 24.6
- RMD = $500,000 / 24.6 = $20,325
- RMD as % = 100 / 24.6 = 4.07%