这个表告诉你，退休账户72岁后必须取多少？

百分数是取Distribution period (in years)的倒数而得来的。

IRA required minimum distributions（RMD） table 2023

https://www.bankrate.com/retirement/ira-rmd-table/

https://www.irs.gov/pub/irs-pdf/p590b.pdf

 

How much do you need to withdraw? The exact distribution amount changes from year to year and is based on your life expectancy. It is calculated by dividing an account’s year-end value by the estimated remaining years of your lifetime, in a table provided by the IRS.

The table shown below is the Uniform Lifetime Table, the most commonly used of three life-expectancy charts that help retirement account holders figure mandatory distributions. The IRA has other tables for beneficiaries of retirement funds and account holders who have much younger spouses.

 

IRA required minimum distribution (RMD) table
Age of retiree	Distribution period (in years)	%	Age of retiree	Distribution period (in years)	%
72	27.4	3.65	97	7.8	12.82
73	26.5	3.77	98	7.3	13.70
74	25.5	3.92	99	6.8	14.71
75	24.6	4.07	100	6.4	15.63
76	23.7	4.22	101	6	16.67
77	22.9	4.37	102	5.6	17.86
78	22	4.55	103	5.2	19.23
79	21.1	4.74	104	4.9	20.41
80	20.2	4.95	105	4.6	21.74
81	19.4	5.15	106	4.3	23.26
82	18.5	5.41	107	4.1	24.39
83	17.7	5.65	108	3.9	25.64
84	16.8	5.95	109	3.7	27.03
85	16	6.25	110	3.5	28.57
86	15.2	6.58	111	3.4	29.41
87	14.4	6.94	112	3.3	30.30
88	13.7	7.30	113	3.1	32.26
89	12.9	7.75	114	3	33.33
90	12.2	8.20	115	2.9	34.48
91	11.5	8.70	116	2.8	35.71
92	10.8	9.26	117	2.7	37.04
93	10.1	9.90	118	2.5	40.00
94	9.5	10.53	119	2.3	43.48
95	8.9	11.24	120 and older	2	50.00
96	8.4	11.90

 

所有跟帖： 

• 多少人能活那么久 -CRUSH- ♂ (0 bytes) () 02/02/2023 postreply 10:50:52

• 明天还能醒过来就很满意了 -又当爹来又当妈- ♀ (0 bytes) () 02/02/2023 postreply 10:54:01

• 多久是那么久？72还是120？ -StopBy- ♂ (0 bytes) () 02/02/2023 postreply 10:54:44

• 150吧 -CRUSH- ♂ (0 bytes) () 02/02/2023 postreply 10:56:04

• 你如果有生之年提不完，遗产继承人也必须每年按一个百分比提，再缴税。如果不想给孩子添麻烦 -maze0616- ♀ (36 bytes) () 02/02/2023 postreply 10:57:08

• 是的，但百分比小一点。另外还有张表。 -StopBy- ♂ (0 bytes) () 02/02/2023 postreply 11:01:54

• 遗产10年必须提完，可能交更多的税 -遥遥- ♀ (0 bytes) () 02/02/2023 postreply 11:06:31

• +1 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:11:19

• 加拿大也有类似规定 有平时存的RRST 到70岁后每年有至少提取比例的规定 -hhhh- ♀ (0 bytes) () 02/02/2023 postreply 11:01:23

• 那个百分比是至少？多拿没限制？ -xiangbuming- ♂ (0 bytes) () 02/02/2023 postreply 11:03:43

• 这个表是最低提取比例，多拿没问题 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:12:43

• 全拿了回国得了 -xiangbuming- ♂ (0 bytes) () 02/02/2023 postreply 11:19:30

• 这好像是个loophole -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:30:28

• 是至少，多拿没限制。多拿的不能carry over。 -StopBy- ♂ (45 bytes) () 02/02/2023 postreply 11:56:57

• 没看懂 -每天砍树- ♀ (0 bytes) () 02/02/2023 postreply 11:17:54

• 右边的一半应该在下面 -maze0616- ♀ (0 bytes) () 02/02/2023 postreply 11:33:29