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Retirement · Required Minimum Distributions

Calculadora de RMD

Estima tu Distribución Mínima Obligatoria (RMD) y evita costosas penalidades del IRS.

Your required minimum distribution is
$0 Updated for the SECURE Act 2.0
IRS divisor: —
📋 Plan Information
2010202020302040
$
$0$10k$100k$1M
%
0%4%8%12%
RMD for this year $0 IRS divisor: —
Penalty if you don't withdraw (25%) $0
Penalty if you correct in 2 years (10%) $0

Required Minimum Distributions by Year

Enter your birthdate and amount to see the projection.
Cómo funciona esta calculadora Transparent

Estima el monto mínimo que debes retirar cada año usando tu edad, tu saldo al 31 de diciembre y la tabla del IRS.

Las cuentas elegibles incluyen IRA tradicional, SEP, SIMPLE, 401(k) y 403(b). Las Roth IRA generalmente no tienen RMD.

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Supuestos y limitaciones Educational

Fines únicamente educativos y de planificación.

Your actual Required Minimum Distribution may differ depending on factors such as:

  • El saldo de tu cuenta al 31 de diciembre del año anterior
  • Your age and applicable IRS Life Expectancy Table
  • Whether your spouse is your sole beneficiary and is more than 10 years younger than you
  • Múltiples cuentas de jubilación y reglas de retiro específicas
  • Reglas para IRA heredadas o cuentas heredadas
  • Cambios futuros en las regulaciones del IRS o leyes fiscales

Consulta a un profesional financiero o fiscal calificado antes de tomar decisiones de retiro.

Fuentes y metodología Cited

Nuestros cálculos y contenido educativo se basan en organizaciones confiables, incluyendo:

Nuestro objetivo es educación precisa que te ayude a cumplir con las reglas de RMD y a decidir con más información.

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Why Required Minimum Distributions matter

Las RMD son mucho más que una regla del IRS — son una parte clave de la planificación de tus ingresos de jubilación.

Planning your RMDs can help you:

  • Reduce unnecessary tax surprises.
  • Better manage your retirement income.
  • Coordinate withdrawals with Social Security and Medicare.
  • Preserve more wealth for your spouse or heirs.
  • Build a tax-efficient retirement withdrawal strategy.

Tu RMD se basa en tu edad, tus saldos elegibles y las tablas vigentes del IRS. Revísala cada año.

Frequently asked questions

What is a Required Minimum Distribution (RMD)?
A Required Minimum Distribution (RMD) is the minimum amount you must withdraw each year from certain tax-deferred retirement accounts after reaching the required age established by the IRS.
At what age do I have to start taking RMDs?
For most people, RMDs begin at age 73 under current federal law. This age may increase for younger generations based on future legislation.
Which retirement accounts require RMDs?
Las RMD generalmente aplican a:
  • IRAs Tradicionales
  • SEP IRAs
  • SIMPLE IRAs
  • 401(k) Tradicionales
  • 403(b)
  • Planes 457(b)
  • La mayoría de las cuentas de jubilación heredadas
Las Roth IRAs cuya titular original sigue con vida no requieren RMD durante la vida del titular.
How is my RMD calculated?
Your RMD is calculated by dividing your retirement account balance as of December 31 of the previous year by a life expectancy factor published by the IRS.
What happens if I don't take my Required Minimum Distribution?
Failing to withdraw your full RMD may result in an IRS penalty. Under current law, the penalty is generally 25% of the amount not withdrawn, and it may be reduced if corrected promptly.
Can I withdraw more than my Required Minimum Distribution?
Yes. You may withdraw more than the required minimum, but the extra amount generally does not reduce next year's RMD requirement.
Do I have to pay taxes on my RMD?
Usually yes. Most RMDs from tax-deferred retirement accounts are taxed as ordinary income in the year you receive them.
Do Roth IRAs have Required Minimum Distributions?
No. Roth IRAs do not require RMDs during the original owner's lifetime. However, inherited Roth IRAs may be subject to distribution rules.
Can I delay my first Required Minimum Distribution?
Yes. Your first RMD may generally be delayed until April 1 of the year after you reach your required beginning age. However, delaying means you'll likely have to take two RMDs in the same year, which could increase your taxable income.
Do I have to take an RMD from each retirement account separately?
Depende del tipo de cuenta.
  • Las IRA Tradicionales generalmente pueden agregarse, permitiéndote retirar la RMD total de una o varias IRA.
  • La mayoría de los planes patrocinados por el empleador, como los 401(k), requieren RMD separadas de cada cuenta.
Can I continue working and delay my RMD?
Possibly. If you're still working and participating in your employer's retirement plan, you may be able to delay RMDs from that employer's plan if the plan allows it. This exception generally does not apply to Traditional IRAs.
What is a Qualified Charitable Distribution (QCD)?
A Qualified Charitable Distribution allows eligible individuals to donate directly from an IRA to a qualified charity. A QCD may satisfy all or part of your RMD while potentially reducing your taxable income.
How can I reduce the taxes on my RMD?
Algunas estrategias pueden incluir:
  • Distribuciones Calificadas de Caridad (QCD)
  • Conversiones Roth antes de la edad de RMD
  • Coordinar retiros con otros ingresos de jubilación
  • Planeación fiscal estratégica con un profesional financiero o fiscal
What happens to my RMD after I inherit a retirement account?
Inherited retirement accounts follow different IRS rules depending on your relationship to the original owner and when the account was inherited. Some beneficiaries must withdraw the account within 10 years, while others may qualify for different distribution schedules.
How can I prepare before RMDs begin?
Prepararte con anticipación puede ayudar a reducir impuestos y evitar sorpresas. Considera:
  • Estimar tus futuras RMD
  • Revisar tu estrategia de ingresos para la jubilación
  • Considerar conversiones Roth antes de los 73 años
  • Reunirte con un profesional fiscal o financiero
  • Usar una calculadora de RMD cada año

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