Calculadora de Distribuição Mínima Obrigatória (RMD) — 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

AgePeriod~RMD % 7326.53.77% 7524.64.07% 8020.24.95% 8516.06.25% 9012.28.20%

Exemplo Resolvido

$500,000 balance at age 75.

  1. Distribution period at 75 = 24.6
  2. RMD = $500,000 / 24.6 = $20,325
  3. RMD as % = 100 / 24.6 = 4.07%