免费最低必须分配额（RMD）计算器
计算退休账户的年度最低必须分配额（RMD），确保合规提取避免罚款。
USD
years
Required Minimum Distribution
$20,325
Distribution Factor24.6 years
RMD as % of Balance4.07 %
Required Minimum Distribution vs Account Balance (Dec 31)
公式
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
计算示例
$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%
常见问题
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The penalty for missing an RMD is 25% of the amount not withdrawn (reduced from 50% by SECURE 2.0).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.
学习