UsefulVerse
Harshe · Hausa

Kyauta ne, babu asusu

Mai Lissafin RMD

Yi hasashen adadin mafi karancin kudin da ya kamata a cire (RMD) na shekarar 2026 bisa adadin kudin da ke cikin asusu da kuma shekarunka. Za a nuna teburin, shekarar da aka dauki adadin kudin, da kuma yadda aka yi lissafin.

Yi amfani da ma'aunin kudi na ranar 31 ga Disamba na shekarar da ta gabata (2025) don wannan kiyasi na 2026.

Yi amfani da shekarunka a ranar haihuwarka a shekarar 2026. Shekaru 120 na wakiltar shekaru 120 ko fiye a Jadawali na III.

Misali ga mai asusun IRA a Amurka ta hanyar amfani da Takardar IRS mai lamba 590-B (2025), Karin Bayani na B, Jadawali na III, don shekarar 2026. Wannan ba ya tantance ko yaushe ya kamata a fitar da kudi, kuma ba ya shafar asusun da aka gada ba. Idan matarka ko mijinka ne kawai wanda zai gaji asusun kuma ya/ta fi ka karancin shekaru da fiye da shekaru 10, dokokin IRS galibi suna amfani da Jadawali na II maimakon haka. Dokokin shirin da sauran yanayi na musamman na iya canza adadin kudin. Tuntuɓi mai kula da shirin naka ko ƙwararren masani kan haraji. Ba shawara ce ta haraji ko ta harkokin kuɗi ba.

Ta yaya zan yi hasashen adadin mafi karancin kudin da ya kamata a cire (RMD) na shekarar 2026?

A raba adadin kudin da ke cikin asusun da ya dace (na ranar 31 ga Disamba, 2025) da lambar da ke cikin Teburin IRS Uniform Lifetime wacce ta dace da shekarunka a shekarar 2026. Wannan mai lissafin yana amfani da Teburi na III kawai kuma ba ya tantance ko lokacin cire RMD ya yi ko bai yi ba.

Tambayoyin da ake yawan yi

Ta yaya zan yi hasashen adadin mafi karancin kudin da ya kamata a cire (RMD) na shekarar 2026?

A raba adadin kudin da ke cikin asusun da ya dace (na ranar 31 ga Disamba, 2025) da lambar da ke cikin Teburin IRS Uniform Lifetime wacce ta dace da shekarunka a shekarar 2026. Wannan mai lissafin yana amfani da Teburi na III kawai kuma ba ya tantance ko lokacin cire RMD ya yi ko bai yi ba.

Shin an tura bayanan ritayata zuwa tsarin yanar gizo?

A'a. Ana yin lissafin ne a cikin manhajar binciken yanar gizonka kawai. Wannan kayan aikin ba ya tura ko adana adadin kudin da shekarun da ka shigar.

Wane adadin kuɗi da shekaru ake amfani da su wajen kimanta RMD na shekarar 2026?

Domin wannan misalin, saka adadin kuɗin da ke cikin asusun a ranar 31 ga Disamba, 2025 da kuma shekarunka a ranar zagayowar haihuwarka a shekarar 2026. Dokokin IRS da nau'in asusu ne ke tantance wane teburi da kuma lokacin da ya dace a yi amfani da su.

Zan iya amfani da wannan don asusun IRA da aka gada ko kuma idan matata/mijina ya/ta fi ni ƙarancin shekaru sosai?

Ba za a iya dogara da shi ba. Asusun da aka gada na iya bin dokoki da tebura daban-daban. Idan matarka ita ce kaɗai mai cin gajiyarka kuma ta fi ka shekaru sama da 10, dokokin IRS gabaɗaya suna amfani da Tebur II (Mai Rabuwa da Wanda Ya Rasu na Ƙarshe), ba Tebur III ba.

Shin wannan yana gaya mini lokacin ko ko dole ne in ɗauki RMD?

A'a. Yana raba ma'auni ne kawai da ma'aunin Tebur III. Ba ya ƙayyade ranar farawa da ake buƙata, cancanta, wa'adin lokaci, ƙa'idodin tattarawa, keɓancewar tsari, ko sakamakon haraji.