Calculadora de Distribuição Mínima Obrigatória (RMD) Grátis
Calcule a distribuição mínima obrigatória da sua conta de aposentadoria. Saiba o valor que deve ser retirado anualmente para cumprir as regras fiscais.
Required Minimum Distribution
$20,325
Required Minimum Distribution vs Account Balance (Dec 31)
Formula
## 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% |
Exemplo Resolvido
$500,000 balance at age 75.
- 01Distribution period at 75 = 24.6
- 02RMD = $500,000 / 24.6 = $20,325
- 03RMD as % = 100 / 24.6 = 4.07%
Perguntas Frequentes
When do RMDs start?
Under the SECURE 2.0 Act, RMDs begin at age 73 for those born between 1951-1959, and age 75 for those born in 1960 or later.
What happens if I do not take my RMD?
The penalty for missing an RMD is 25% of the amount not withdrawn (reduced from 50% by SECURE 2.0). It drops to 10% if corrected within 2 years.
Do Roth IRAs have RMDs?
No. Roth IRAs do not have RMDs during the owner's lifetime. This is a major advantage of Roth accounts for estate planning.
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