RMD Calculator
以下详细说明暂以英文提供。
How an RMD is computed
Divide last December 31's balance by a life-expectancy distribution period from the IRS Uniform Lifetime Table: a 75-year-old divides by 24.6, so $500,000 forces a $20,325.20 withdrawal. The percentage rises every year as the divisor shrinks. Note that a spouse more than ten years younger can use a different (Joint Life) table with larger divisors, and that the first RMD — due April 1 after the year you turn 73 — can be deferred at the cost of taking two that year.
常见问题
When do RMDs start?
At age 73 under current law (SECURE 2.0), rising to 75 for those born in 1960 or later. Roth IRAs are exempt during the owner’s lifetime, but inherited accounts usually are not.
Can I withdraw more than the minimum?
Always. The RMD is a floor, not a cap, and excess withdrawals do not carry forward. Many retirees reinvest the withdrawal in a taxable brokerage account to keep compounding.