Calculate your required minimum distribution from the IRS Uniform Lifetime or joint table, your RMD starting age (73 or 75), and future RMDs.
Güncellendi Doğrulanan örnekler: 8
For 2026 you must withdraw at least $20,325.20: $500,000.00 divided by 24.6, the Uniform Lifetime period for age 75. At 5% a year, RMDs through age 100 add up to $858,275.41.
| Yıl | Yaş | Distribution period | Balance Dec 31 prior year | Zorunlu asgari çekim (RMD) | Balance Dec 31 |
|---|---|---|---|---|---|
| 2026 | 75 | 24.6 | $500,000.00 | $20,325.20 | $504,674.80 |
| 2027 | 76 | 23.7 | $504,674.80 | $21,294.30 | $508,614.24 |
| 2028 | 77 | 22.9 | $508,614.24 | $22,210.23 | $511,834.72 |
| 2029 | 78 | 22 | $511,834.72 | $23,265.21 | $514,161.25 |
| 2030 | 79 | 21.1 | $514,161.25 | $24,367.83 | $515,501.48 |
| 2031 | 80 | 20.2 | $515,501.48 | $25,519.88 | $515,756.68 |
| 2032 | 81 | 19.4 | $515,756.68 | $26,585.40 | $514,959.11 |
| 2033 | 82 | 18.5 | $514,959.11 | $27,835.63 | $512,871.44 |
| 2034 | 83 | 17.7 | $512,871.44 | $28,975.79 | $509,539.23 |
| 2035 | 84 | 16.8 | $509,539.23 | $30,329.72 | $504,686.47 |
Born in 1951, so RMDs start at 73 (born 1951 to 1959), per 26 CFR 1.401(a)(9)-2(b)(2).
Uniform Lifetime Table, age 75 (26 CFR 1.401(a)(9)-9(c); Publication 590-B Table III), in effect since 2022.
Each later year divides the new December 31 balance by the next age's period, with the spouse one year older too.
A required minimum distribution is last year's December 31 account balance divided by the distribution period for your age this year. The period comes from the IRS Uniform Lifetime Table, or from the Joint and Last Survivor Table when your spouse is the sole beneficiary and more than 10 years younger, which gives a longer period and a smaller RMD. Both are the tables in 26 CFR 1.401(a)(9)-9 that apply from 2022, reprinted in IRS Publication 590-B.
With the defaults, a 75-year-old with $500,000 on December 31, 2025 divides by 24.6 and must withdraw $20,325.20 in 2026, 4.07% of the balance. At a 5% return the projection then shows each year's RMD to age 100.
Under SECURE 2.0, RMDs start at 73 for people born 1951 to 1959 and at 75 for those born 1960 or later. Roth IRAs need no RMDs while the owner is alive.
Doğrulama kaynağı: IRS Publication 590-B (2025), Table III example: $100,000 ÷ 24.6 = $4,065
Doğrulama kaynağı: IRS Publication 590-B (2025), Table II example: $100,000 ÷ 25.3 = $3,953
Doğrulama kaynağı: IRS Publication 590-B (2025): $38,400 ÷ 26.5 (the IRS rounds it to $1,450); first-year deadline April 1 of the next year
Doğrulama kaynağı: 26 CFR 1.401(a)(9)-9(c): distribution period 2.0 at 120 and over
Divide the account balance on December 31 of last year by the distribution period for the age you reach this year. IRS Publication 590-B's example: a $100,000 IRA balance at the end of 2025 and age 75 in 2026 gives a period of 24.6 from the Uniform Lifetime Table, so the 2026 RMD is $100,000 ÷ 24.6 = $4,065.
73 if you were born from 1951 to 1959, and 75 if you were born in 1960 or later, under SECURE 2.0 as written into 26 CFR 1.401(a)(9)-2. The first RMD can wait until April 1 of the following year, but then two RMDs fall in that year. In a 401(k) you may be able to delay until you retire if you still work for the employer.
Only when your spouse is the sole beneficiary of the account for the whole year and is more than 10 years younger than you. Publication 590-B's example: at 75 with a 64-year-old spouse the period is 25.3 instead of 24.6, so the RMD on $100,000 falls from $4,065 to $3,953. Everyone else uses the Uniform Lifetime Table.
An excise tax of 25% of the amount you should have withdrawn and did not, cut to 10% if you take the shortfall within two years, according to the IRS. Missing a $20,000 RMD therefore costs $5,000, or $2,000 when corrected in time. You cannot count extra withdrawals from one year toward the next year's RMD.
Not while the owner is alive. The IRS states that no withdrawals are required from Roth IRAs, or from designated Roth accounts in a 401(k) or 403(b), during the owner's lifetime. Beneficiaries who inherit a Roth account do have to take distributions under the rules for inherited accounts.
Doğruluk, girdilerinize ve yöntemin varsayımlarına bağlıdır. Ondalık aritmetik 50 anlamlı basamak kullanır; ancak tahminler, sayısal yöntemler ve kaynak veriler daha az hassas olabilir. Gösterilen değerin yuvarlanması bu sınırları ortadan kaldırmaz. Bağımsız kaynaklarla doğrulanan çözümlü örnek sayısı: 8. Örneğin “Publication 590-B: age 75, $100,000, spouse 6 years younger”, IRS Publication 590-B (2025), Table III example: $100,000 ÷ 24.6 = $4,065 ile karşılaştırılarak doğrulanır.
26 CFR 1.401(a)(9)-9: Uniform Lifetime and Joint and Last Survivor tables (from 2022); 26 CFR 1.401(a)(9)-2(b)(2): applicable age by date of birth; IRS Publication 590-B (2025), Appendix B tables II and III and worked examples; IRS: Retirement topics — Required minimum distributions; Proposed rule 2024-14543 (Federal Register, 19 July 2024): applicable age 73 for people born in 1959.
Yalnızca planlama içindir. Kredi verenler, vergi makamları ve piyasalar kendi yuvarlama, ücret ve kurallarını uygular; taahhütte bulunmadan önce rakamları onlarla doğrulayın.
Bu hesaplayıcı, yanıtları bağımsız kaynaklardan alınan 8 çözümlü örnek içerir. Bunlar test paketinde çalıştırılır; burada da çalıştırabilirsiniz.
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