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Learn how to calculate your RMD amount, understand your specific deadline, manage tax withholding, and avoid costly penalties.\u003C\u002Fstrong>  \u003C\u002Fp>\u003Cp>\u003Cstrong>Note:  For those required to take an RMD as an IRA beneficiary, see\u003C\u002Fstrong> \u003Ca href=\"https:\u002F\u002Fwww.interactivebrokers.com\u002Flib\u002Fcstools\u002Ffaq\u002F#\u002Fcontent\u002F1331507437\">Understanding Required Minimum Distributions (RMDs) for Inherited IRAs\u003C\u002Fa>\u003C\u002Fp>\u003Ch1>\u003Cstrong>What Is a Required Minimum Distribution?\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>A Required Minimum Distribution (RMD) is the minimum amount you must withdraw from your retirement account each year once you reach a certain age. The IRS established RMD rules to ensure that tax-deferred retirement savings are eventually taxed.  \u003C\u002Fp>\u003Ch2>\u003Cstrong>When Do RMDs Begin?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Under current law, you must begin taking RMDs from your Traditional, Rollover, SEP, and SIMPLE IRAs starting at age 73. This age requirement changed in recent years:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>If you turned 72 before 2023:\u003C\u002Fstrong> You were subject to the age 72 rule\u003C\u002Fli>\u003Cli>\u003Cstrong>If you turn 72 in 2023 or later:\u003C\u002Fstrong> You are subject to the age 73 rule\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong> The RMD requirement applies even if you are still working.\u003C\u002Fp>\u003Ch1>\u003Cstrong>Understanding RMD Deadlines\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>Your deadline depends on whether this is your first RMD or a subsequent one.\u003C\u002Fp>\u003Ch2>\u003Cstrong>First-Year RMD (The Year You Turn 73)\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>When you turn 73, you have two options for your first RMD:\u003C\u002Fp>\u003Cp>\u003Cstrong>Option 1: Take your RMD by December 31 of the year you turn 73\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>This is the straightforward approach\u003C\u002Fli>\u003Cli>You will take one distribution based on your prior year-end account balance\u003C\u002Fli>\u003Cli>Future RMDs will also be due by December 31 each year\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Option 2: Defer your first RMD until April 1 of the following year\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>The law allows you to delay your first RMD\u003C\u002Fli>\u003Cli>However, you will still need to take your second RMD by December 31 of that same year\u003C\u002Fli>\u003Cli>\u003Cstrong>This means taking two distributions in one calendar year\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong> Consult with a tax professional before deciding whether to defer your first RMD.\u003C\u002Fp>\u003Cp>\u003Cstrong>Subsequent Years\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>After your first RMD, all future RMDs must be completed by \u003Cstrong>December 31\u003C\u002Fstrong> each year.\u003C\u002Fp>\u003Ch1>\u003Cstrong>Which Accounts Require RMDs?\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>Accounts Subject to RMDs:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>Traditional IRAs\u003C\u002Fli>\u003Cli>Rollover IRAs\u003C\u002Fli>\u003Cli>SEP IRAs\u003C\u002Fli>\u003Cli>SIMPLE IRAs\u003C\u002Fli>\u003Cli>401(k) plans (if you are no longer working for that employer)\u003C\u002Fli>\u003Cli>403(b) plans\u003C\u002Fli>\u003Cli>457(b) plans\u003C\u002Fli>\u003Cli>Other qualified retirement plans\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Accounts NOT Subject to RMDs:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>Roth IRAs (during the owner's lifetime)\u003C\u002Fli>\u003Cli>Roth 401(k)s (while still employed, in some cases)\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong> If you have multiple IRAs across different financial institutions, you must calculate the RMD for each account separately. However, you can satisfy your total IRA RMD obligation by withdrawing from one or more of your IRAs in any combination.\u003C\u002Fp>\u003Ch1>\u003Cstrong>Calculating Your RMD\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>Your RMD amount is determined by applying a Life Expectancy Factor set by the IRS to your account balance at the end of the previous year.  To calculate your RMD:\u003C\u002Fp>\u003Col start=\"1\">\u003Cli>Log into \u003Cstrong>\u003Ca href=\"https:\u002F\u002Fwww.interactivebrokers.com\u002Fsso\u002Fresolver?action=ACCT_MGMT_MAIN\">Client Portal\u003C\u002Fa>\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Click the \u003Cstrong>User menu\u003C\u002Fstrong> (head and shoulders icon in the top right corner) followed by \u003Cstrong>Settings\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>If you manage multiple accounts, select an account by clicking on the account number to popup the Account Selector\u003C\u002Fli>\u003Cli>Under \u003Cstrong>Account Settings\u003C\u002Fstrong> find the \u003Cstrong>Account Configuration\u003C\u002Fstrong> section \u003C\u002Fli>\u003C\u002Fol>\n\n\u003Col start=\"5\">\u003Cli>Click \u003Cstrong>Required Minimum Distribution Calculator\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\n\n\u003Col start=\"6\">\u003Cli>Enter the required information and hit \u003Cstrong>Calculate.\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>If you have more than one retirement plan, you will need to calculate the RMD for each separately, although the total may be withdrawn from any one or more of the accounts. Please refer to \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp590b\">IRS Publication 590-B\u003C\u002Fa> for additional spousal and beneficiary considerations.\u003C\u002Fp>\u003Cp>\u003Cstrong>Special Circumstances\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>If your spouse is your sole beneficiary and is more than 10 years younger, additional options are available.\u003C\u002Fstrong>  \n\u003Cul>\u003Cli>Review IRS Publication 590B\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fli>\u003Cli>\u003Cstrong>If you have multiple IRAs:\u003C\u002Fstrong>\n\u003Cul>\u003Cli>Calculate the RMD for each IRA separately\u003C\u002Fli>\u003Cli>Add them together for your total RMD\u003C\u002Fli>\u003Cli>You can withdraw the total from one account, split it among accounts, or any combination\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fli>\u003Cli>\u003Cstrong>If you have IRAs at multiple institutions:\u003C\u002Fstrong>\n\u003Cul>\u003Cli>You must track and calculate RMDs for all accounts\u003C\u002Fli>\u003Cli>You are responsible for ensuring you withdraw the correct total amount\u003C\u002Fli>\u003Cli>Consider consolidating accounts to simplify tracking\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong>  \u003C\u002Fp>\u003Cul>\u003Cli>Please refer to \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp590b\">IRS Publication 590-B\u003C\u002Fa> for additional spousal and beneficiary considerations.\u003C\u002Fli>\u003Cli>Advisor and Introducing Broker master accounts can locate the RMD Calculator from the Home page of the Advisor Portal or Broker Portal under the Contacts tab by selecting a client account under the Tools page. The RMD Calculator will only be displayed if the selected account is a Traditional IRA, Rollover IRA or SEP IRA account.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\n\u003C\u002Fp>\u003Ch1>\u003Cstrong>Requesting Your RMD\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>Once you have calculated your RMD amount, requesting your withdrawal is straightforward:\u003C\u002Fp>\u003Cp>\u003Cstrong>Through Client Portal:\u003C\u002Fstrong>\u003C\u002Fp>\u003Col start=\"1\">\u003Cli>\u003Cstrong>Log in\u003C\u002Fstrong> to Client Portal\u003C\u002Fli>\u003Cli>Click \u003Cstrong>Transfer & Pay\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Select \u003Cstrong>Transfer Funds\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Choose \u003Cstrong>Make a Withdrawal\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Enter your \u003Cstrong>withdrawal amount\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Select your \u003Cstrong>distribution method\u003C\u002Fstrong> (check, ACH transfer, wire)\u003C\u002Fli>\u003Cli>\u003Cstrong>Review and confirm\u003C\u002Fstrong> your request\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cstrong>Withdrawal Options\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>You can receive your RMD via:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>ACH Transfer:\u003C\u002Fstrong> Direct deposit to your bank account (typically 1-3 business days)\u003C\u002Fli>\u003Cli>\u003Cstrong>Wire Transfer:\u003C\u002Fstrong> Faster transfer to your bank (same or next business day, fees may apply)\u003C\u002Fli>\u003Cli>\u003Cstrong>Check:\u003C\u002Fstrong> Mailed to your address on file (allow additional delivery time)\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Timing Considerations\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Allow processing time:\u003C\u002Fstrong> Submit requests well before your deadline\u003C\u002Fli>\u003Cli>\u003Cstrong>Year-end deadlines:\u003C\u002Fstrong> Submit requests by mid-December to ensure processing before December 31\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\n\u003C\u002Fp>\u003Ch1>\u003Cstrong>Tax Withholding on RMDs\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>Federal Tax Withholding\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>RMD distributions are subject to federal income tax. When you request your withdrawal:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Default withholding:\u003C\u002Fstrong> 10% federal tax withholding applies unless you specify otherwise\u003C\u002Fli>\u003Cli>\u003Cstrong>Elective:\u003C\u002Fstrong> Optional withholding percentage from 10%  \u003C\u002Fli>\u003Cli>\u003Cstrong>No withholding:\u003C\u002Fstrong> You can elect no withholding and defer tax owed when you file.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>State Tax Withholding\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Depending on your state of residence, state income tax withholding may also apply. Check your state's requirements.\u003C\u002Fp>\u003Ch1>\u003Cstrong>Missing Your RMD\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>The Excise Tax\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>If you fail to take your full RMD by the deadline, the IRS may impose an excise tax on the amount not distributed as required.\u003C\u002Fp>\u003Cp>\u003Cstrong>How to Correct a Missed RMD\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>If you realize you have missed an RMD:\u003C\u002Fp>\u003Col start=\"1\">\u003Cli>\u003Cstrong>Withdraw the missed amount immediately\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>\u003Cstrong>File Form 5329\u003C\u002Fstrong> (\"Additional Taxes on Qualified Plans\") with your tax return\u003C\u002Fli>\u003Cli>\u003Cstrong>Request a waiver\u003C\u002Fstrong> of the penalty by demonstrating reasonable cause\u003C\u002Fli>\u003Cli>\u003Cstrong>Provide an explanation\u003C\u002Fstrong> of why you missed the deadline and the corrective steps taken\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cstrong>Avoiding Penalties\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Set calendar reminders\u003C\u002Fstrong> well before your deadline\u003C\u002Fli>\u003Cli>\u003Cstrong>Calculate your RMD early\u003C\u002Fstrong> in the year\u003C\u002Fli>\u003Cli>\u003Cstrong>Do not wait until late December\u003C\u002Fstrong> to request distributions\u003C\u002Fli>\u003Cli>\u003Cstrong>Keep records\u003C\u002Fstrong> of all RMD calculations and distributions\u003C\u002Fli>\u003Cli>\u003Cstrong>Consider automatic distributions\u003C\u002Fstrong> to ensure compliance\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\n\u003C\u002Fp>\u003Ch1>\u003Cstrong>Tax Forms Issued\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>Form 1099-R:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>Issued by January 31 for the previous year's distributions\u003C\u002Fli>\u003Cli>Reports all IRA distributions to you and the IRS\u003C\u002Fli>\u003Cli>Box 7 will show the distribution code\u003C\u002Fli>\u003Cli>You will need this form to complete your tax return\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Form 5498:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>Issued by May 31\u003C\u002Fli>\u003Cli>Reports year-end IRA account balance and contributions\u003C\u002Fli>\u003Cli>Box 11 is checked if you were required to take an RMD\u003C\u002Fli>\u003Cli>Available in Client Portal\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong> You are responsible for ensuring you take the correct RMD amount. These forms report what occurred but do not confirm compliance.\u003C\u002Fp>\u003Ch1>\u003Cstrong>Frequently Asked Questions\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>\u003Cem>How do I calculate my RMD?\u003C\u002Fem>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>A variety of factors determine your RMD. The IRS provides a \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fp590b.pdf\">worksheet (Appendix A, beginning on page 45)\u003C\u002Fa> for determining your RMD in \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fp590b.pdf\">IRS Publication 590-B\u003C\u002Fa>, or you may use any of the various online calculators available, including the one provided by the \u003Ca href=\"https:\u002F\u002Fwww.investor.gov\u002Ffinancial-tools-calculators\u002Fcalculators\u002Frequired-minimum-distribution-calculator\">SEC\u003C\u002Fa>. We suggest you consult a qualified tax professional to discuss your calculation and the tax implications of any IRA distribution.\u003C\u002Fp>\u003Cp>If you need further assistance calculating your RMD, please contact your local \u003Ca href=\"https:\u002F\u002Fwww.interactivebrokers.com\u002Fen\u002Findex.php?f=1560\">Client Services\u003C\u002Fa> Center.\u003C\u002Fp>\u003Cp>You must calculate your RMD separately for each qualifying IRA custodied at Interactive Brokers and any other financial institution, however, the RMD may be satisfied from any single one or combination of IRAs.\u003C\u002Fp>\u003Cp>\u003Cstrong>What if I forget to take my RMD one year?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Withdraw a missed RMD amount as soon as you realize the error.   You may have to pay an excise tax on the amount not distributed.   \u003C\u002Fp>\u003Cp>\u003Cstrong>Do I have to take an RMD if I am still working?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Yes. Unlike some employer-sponsored plans, IRAs require RMDs at age 73 regardless of employment status. However, if you are still working and participating in your current employer's 401(k), you may be able to delay RMDs from that specific plan (but not from your IRAs).\u003C\u002Fp>\u003Cp>\u003Cstrong>Can I take my RMD in installments?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Yes. You can take your RMD in any frequency you choose:\u003C\u002Fp>\u003Cul>\u003Cli>Monthly, quarterly, or annually\u003C\u002Fli>\u003Cli>Multiple lump sums throughout the year\u003C\u002Fli>\u003Cli>As long as you have withdrawn the full amount by December 31\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>What if I have a loss in my account?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Market losses do not eliminate the RMD requirement. Your RMD is based on the prior year-end balance, so if your account has declined in value, you may need to sell investments at a loss to meet your RMD.\u003C\u002Fp>\u003Cp>\u003Cstrong>Can I satisfy my RMD with in-kind distributions?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Yes. You can transfer securities from your IRA to a taxable account instead of taking cash. The fair market value of the securities counts toward your RMD, and you will owe taxes on that value.\u003C\u002Fp>\u003Cp>\u003Cstrong>What happens to my RMD if I die during the year?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>If you die before taking your full RMD for the year, your beneficiary must take the remaining RMD by December 31 of that year.\u003C\u002Fp>\u003Cp>\u003Cstrong>Do inherited IRAs have RMDs?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Yes, but the rules are complex and depend on:\u003C\u002Fp>\u003Cul>\u003Cli>Your relationship to the original owner\u003C\u002Fli>\u003Cli>When the original owner died\u003C\u002Fli>\u003Cli>Whether the owner had started taking RMDs\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Beneficiaries should consult a tax professional about inherited IRA distribution requirements.\u003C\u002Fp>\u003Cp>\u003Cstrong>Can I roll over my RMD to another IRA?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>No. Once you are required to take an RMD, that amount cannot be rolled over or converted to a Roth IRA. You must withdraw it and pay taxes on it.\u003C\u002Fp>\u003Cp>\u003Cstrong>What if I have both Traditional and Roth IRAs?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Roth IRAs do not require RMDs during your lifetime. You only need to calculate and take RMDs from Traditional, Rollover, SEP, and SIMPLE IRAs.\u003C\u002Fp>\u003Cp>\u003Cstrong>How does Interactive Brokers notify the IRS of my RMD?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Notification to the IRS is met by checking box 11 of IRS Form 5498, IRA Contribution Information available May 31 within \u003Ca href=\"https:\u002F\u002Fwww.interactivebrokers.com\u002Fsso\u002FLogin?action=TransferFunds\">Client Portal\u003C\u002Fa>.  \u003C\u002Fp>\u003Ch1>\u003Cstrong>Additional Resources\u003C\u002Fstrong>\u003C\u002Fh1>\u003Cp>\u003Cstrong>IRS Resources:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>IRS Publication 590-B:\u003C\u002Fstrong> \"Distributions from Individual Retirement Arrangements (IRAs)\"\n\u003Cul>\u003Cli>Download at: \u003Ca href=\"http:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp590b\">www.irs.gov\u002Fpublications\u002Fp590b\u003C\u002Fa>\u003C\u002Fli>\u003Cli>Contains worksheets and life expectancy tables (Appendix B, starting page 58)\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fli>\u003Cli>\u003Cstrong>IRS RMD FAQs:\u003C\u002Fstrong> \u003Ca href=\"http:\u002F\u002Fwww.irs.gov\u002Fretirement-plans\u002Fplan-participant-employee\u002Fretirement-topics-required-minimum-distributions-rmds\">www.irs.gov\u002Fretirement-plans\u002Fplan-participant-employee\u002Fretirement-topics-required-minimum-distributions-rmds\u003C\u002Fa>\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Online Calculators & Tools:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Securities and Exchange Commission (SEC):\u003C\u002Fstrong>\n\u003Cul>\u003Cli> \u003Cstrong>Investor Resources:\u003C\u002Fstrong> \u003Ca href=\"http:\u002F\u002Fwww.investor.gov\u002Fadditional-resources\u002Fretirement-toolkit\">www.investor.gov\u002Fadditional-resources\u002Fretirement-toolkit\u003C\u002Fa> \u003C\u002Fli>\u003Cli>\u003Cstrong>RMD Calculator:\u003C\u002Fstrong> \u003Ca href=\"http:\u002F\u002Fwww.investor.gov\u002Ffinancial-tools-calculators\u002Fcalculators\u002Frequired-minimum-distributions-calculator\">http:\u002F\u002Fwww.investor.gov\u002Ffinancial-tools-calculators\u002Fcalculators\u002Frequired-minimum-distributions-calculator\u003C\u002Fa>\u003C\u002Fli>\u003C\u002Ful>\u003C\u002Fli>\u003Cli>\u003Cstrong>FINRA RMD Information:\u003C\u002Fstrong> \u003Ca href=\"http:\u002F\u002Fwww.finra.org\">www.finra.org\u003C\u002Fa> (search \"Required Minimum Distributions\")\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Professional Assistance:\u003C\u002Fstrong>\u003C\u002Fp>\u003Cul>\u003Cli>We strongly recommend working with a qualified tax professional who can assist with your RMD.  Required Minimum Distribution rules can be complex, and individual circumstances vary.  Always consult with qualified tax and financial professionals regarding your specific situation.  This article is provided for informational purposes only and does not constitute tax, legal, or financial advice. IRS rules and regulations are subject to change.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>\u003Cstrong>Important:\u003C\u002Fstrong> Interactive Brokers does not calculate RMDs for clients. You are responsible for determining your RMD amount.\u003C\u002Fp>\u003Cp>\u003Cstrong>IRS Circular 230 Notice:\u003C\u002Fstrong> These statements are not intended to constitute tax advice which may be relied upon to avoid penalties under any federal, state, local, or other tax statutes or regulations, and do not resolve any tax issues in your favor\u003C\u002Fp>",[1205,1211,1213],{"id":332,"title":333,"feedback_context":1206},{"request_context":1207,"type":1208,"id":332,"faq_id":332,"timestamp":1209,"cir_id":1210},"faq-browser-public,faq-browser-1:JFaqHTTP6-815980c3-9a87-40da-aa85-ccb78359ab35","FAQ_NAVIGATION",1794531765982,"b79161a2-e677-4f81-aa05-8bbdbef45b7d",{"id":419,"title":420,"feedback_context":1212},{"request_context":1207,"type":1208,"id":419,"faq_id":419,"timestamp":1209,"cir_id":1210},{"id":427,"title":428,"feedback_context":1214},{"request_context":1207,"type":1208,"id":427,"faq_id":427,"timestamp":1209,"cir_id":1210},"\u003Cp>\u003Cstrong>If you are age 73 or older with a Traditional, Rollover, SEP, or SIMPLE IRA, the IRS requires you to take annual withdrawals called Required Minimum Distributions (RMDs). Learn how to calculate your RMD amount, understand your specific deadline, manage tax withholding, and avoid costly penalties.\u003C\u002Fstrong>  …\u003C\u002Fp>",[1217,1230,1238,1246],{"id":1218,"title":1219,"feedback_context":1220,"short_description":1223,"source":1224,"slug":1229},"28238145","How can I make a charitable donation from my IRA?",{"request_context":1207,"type":1221,"id":1218,"faq_id":1218,"timestamp":1222,"cir_id":1210},"FAQ_SIMILAR",1794531766009,"\u003Cp>Traditional IRA owners 70½ or older may request an IRA distribution direct to a \"qualified charity\". This is known as a Qualified Charitable Distribution (QCD). The amount is limited to the lesser of your Required Minimum Distribution (RMD) for the year or USD 111,000…\u003C\u002Fp>",{"id":1225,"title":1226,"link":1227,"sourceType":1228},"faq","IBKR FAQs","https:\u002F\u002Fprod.ibkr-web.com\u002Fibconfluence\u002Fpages\u002Fviewpage.action?pageId=28238145","FAQ","make-charitable-donation-ira-28238145",{"id":1231,"title":1232,"feedback_context":1233,"short_description":1234,"source":1235,"slug":1237},"1136194837","IRA: Charitable donations from IRA's",{"request_context":1207,"type":1221,"id":1231,"faq_id":1231,"timestamp":1222,"cir_id":1210},"\u003Ch3>Overview\u003C\u002Fh3>\n\u003Cul>\u003Cli>IRA owners 70½ or older may request an IRA distribution to be paid directly to an IRS “qualified charity” and may satisfy a required minimum distribution (RMD) with the withdrawal. Unlike the RMD paid directly to the IRA owner, the Qualified Charitable Donation (QCD) is excluded from your taxable income…\u003C\u002Fli>\u003C\u002Ful>",{"id":1225,"title":1226,"link":1236,"sourceType":1228},"https:\u002F\u002Fprod.ibkr-web.com\u002Fibconfluence\u002Fpages\u002Fviewpage.action?pageId=1136194837","ira-charitable-donations-iras-1136194837",{"id":1239,"title":1240,"feedback_context":1241,"short_description":1242,"source":1243,"slug":1245},"38453209","How do I determine my Required Minimum Distribution?",{"request_context":1207,"type":1221,"id":1239,"faq_id":1239,"timestamp":1222,"cir_id":1210},"\u003Cp>\u003Cstrong>The Required Minimum Distributions (RMDs) are once again required for 2021 . The CARES Act did NOT extend the RMD waiver for 2021.\u003C\u002Fstrong>…\u003C\u002Fp>",{"id":1225,"title":1226,"link":1244,"sourceType":1228},"https:\u002F\u002Fprod.ibkr-web.com\u002Fibconfluence\u002Fpages\u002Fviewpage.action?pageId=38453209","determine-required-minimum-distribution-38453209",{"id":1247,"title":1248,"feedback_context":1249,"short_description":1250,"source":1251,"slug":1253},"35793518","What is a mandatory IRA distribution?",{"request_context":1207,"type":1221,"id":1247,"faq_id":1247,"timestamp":1222,"cir_id":1210},"\u003Cp>In a traditional IRA, you are required by law to begin taking withdrawals from your IRA in the year you reach age 73. The amount of the distribution is based on your age and the value of your account. Internal Revenue Service Publication 590 provides the information to calculate the required minimum distribution (RMD). The first RMD must start no later than April 1 of the year following the year in which you attain age 73. Failure to take the RMD results in an IRS penalty tax of 50% of the amount that should have been distributed…\u003C\u002Fp>",{"id":1225,"title":1226,"link":1252,"sourceType":1228},"https:\u002F\u002Fprod.ibkr-web.com\u002Fibconfluence\u002Fpages\u002Fviewpage.action?pageId=35793518","mandatory-ira-distribution-35793518",{"request_context":1207,"type":1255,"id":1201,"faq_id":1201,"timestamp":1256,"cir_id":1210},"FAQ_CONTENT",1794531765981,"understanding-required-minimum-distribution-rmd-1337767412"]