📋 RMD 最低提取额计算器RMD Calculator (Required Minimum Distribution)
按 IRS 统一寿命表（Uniform Lifetime Table，2022 年起适用），用上一年 12 月 31 日的账户余额和今年生日时的年龄计算传统 IRA / 401(k) 当年必须提取的最低金额（RMD），并提示起始年龄（1951–1959 年出生为 73 岁，1960 年及以后出生为 75 岁，1949 年 7 月 1 日至 1950 年出生为 72 岁）。Calculate this year's required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table (in effect from 2022): prior year-end balance ÷ the distribution period for your age this year. Shows the starting age (73 if born 1951–1959, 75 if born in 1960 or later, 72 if born July 1, 1949 through 1950).
使用说明与常见问题How-to & FAQ
「RMD 最低提取额计算器」是什么？What is the RMD Calculator (Required Minimum Distribution) tool?
按 IRS 统一寿命表（Uniform Lifetime Table，2022 年起适用），用上一年 12 月 31 日的账户余额和今年生日时的年龄计算传统 IRA / 401(k) 当年必须提取的最低金额（RMD），并提示起始年龄（1951–1959 年出生为 73 岁，1960 年及以后出生为 75 岁，1949 年 7 月 1 日至 1950 年出生为 72 岁）。Calculate this year's required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table (in effect from 2022): prior year-end balance ÷ the distribution period for your age this year. Shows the starting age (73 if born 1951–1959, 75 if born in 1960 or later, 72 if born July 1, 1949 through 1950).
如何使用「RMD 最低提取额计算器」？How do I use the RMD Calculator (Required Minimum Distribution) tool?
在「RMD 最低提取额计算器」中，填写「上年 12 月 31 日余额」、「出生年份」、「提取年份」等参数，结果会随输入实时计算并显示在下方。In the RMD Calculator (Required Minimum Distribution): Fill in "Balance on Dec 31 last year", "Birth year", "Distribution year"; results are recalculated instantly as you type.
RMD 怎么算？How is the RMD calculated?
RMD = 上一年 12 月 31 日的账户余额 ÷ 今年生日时年龄对应的分配期。分配期取自 IRS 统一寿命表（Pub. 590-B，自 2022 年起适用），例如 73 岁 26.5、75 岁 24.6、80 岁 20.2、90 岁 12.2。RMD = account balance on December 31 of last year ÷ the distribution period for the age you reach this year, from the IRS Uniform Lifetime Table (Pub. 590-B, in effect since 2022) — e.g. 26.5 at 73, 24.6 at 75, 20.2 at 80 and 12.2 at 90.
从几岁开始要提取？When do RMDs start?
按 SECURE 2.0 法案：1951–1959 年出生的人 73 岁开始，1960 年及以后出生的人 75 岁开始（1949 年 7 月 1 日至 1950 年 12 月 31 日出生的为 72 岁；1949 年 7 月 1 日前出生的按旧规则在 70½ 岁开始。这两类人在 2022 年及以后都已过起始年龄，工具直接按当年年龄计算）。首个 RMD 可推迟到次年 4 月 1 日，此后每年 12 月 31 日前提取。Under SECURE 2.0: age 73 if born 1951–1959 and age 75 if born in 1960 or later (72 for those born July 1, 1949 through 1950, and 70½ under the old rule for those born before July 1, 1949 — both groups are already past their starting age from 2022 on, so the tool simply uses this year's age). The first RMD can wait until April 1 of the next year; later ones are due by December 31.
什么情况下不适用？When does this not apply?
如果你的唯一受益人是比你小 10 岁以上的配偶，应改用“共同及最后生存者表”（分配期更长，RMD 更低）；继承的 IRA 使用单一寿命表。Roth IRA 原账户所有者在世时不需要 RMD。If your sole beneficiary is a spouse more than 10 years younger, use the Joint and Last Survivor Table instead (longer period, smaller RMD); inherited IRAs use the Single Life table. Original owners of Roth IRAs have no lifetime RMDs.
计算结果可以作为最终依据吗？Can I rely on the result?
「RMD 最低提取额计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The RMD Calculator (Required Minimum Distribution) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「RMD 最低提取额计算器」免费吗？需要注册吗？Is the RMD Calculator (Required Minimum Distribution) free? Do I need an account?
「RMD 最低提取额计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The RMD Calculator (Required Minimum Distribution) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.