{"id":4135,"date":"2026-10-20T14:15:28","date_gmt":"2026-10-20T13:15:28","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/rmd-hesaplayici\/"},"modified":"2026-10-20T14:15:28","modified_gmt":"2026-10-20T13:15:28","slug":"rmd-hesaplayici","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/rmd-hesaplayici\/","title":{"rendered":"RMD Hesaplay\u0131c\u0131 \u2013 Zorunlu Asgari Da\u011f\u0131t\u0131m"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Zorunlu asgari da\u011f\u0131t\u0131m\u0131n\u0131z\u0131 tahmin edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4135\" data-favorite-title=\"RMD\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/rmd-hesaplayici\/\" data-favorite-excerpt=\"Zorunlu asgari da\u011f\u0131t\u0131m\u0131n\u0131z\u0131 (RMD) tahmin edin ve 10 y\u0131ll\u0131k projeksiyonu g\u00f6r\u00fcn. Hesap sahibinin do\u011fum y\u0131l\u0131n\u0131, da\u011f\u0131t\u0131m y\u0131l\u0131n\u0131, \u00f6nceki 31 Aral\u0131k bakiyesini ve varsay\u0131lan b\u00fcy\u00fcme oran\u0131n\u0131 girin; s\u00f6z konusuysa e\u015f bilgilerini de ekleyin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-finance\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/rmd-hesaplayici\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4135\" data-post=\"4135\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Hesap sahibinin do\u011fum y\u0131l\u0131<\/label><input type=\"text\" name=\"hesap_sahibinin_doum_yl\" id=\"field-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1900\" max=\"2100\" value=\"1953\"\/><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Da\u011f\u0131t\u0131m y\u0131l\u0131<\/label><input type=\"text\" name=\"datm_yl\" id=\"field-2\" aria-describedby=\"calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"2023\" max=\"2100\" value=\"2026\"\/><small id=\"calc-info-2\">2022&#039;den bu yana ge\u00e7erli olan IRS \u00f6m\u00fcr tablolar\u0131n\u0131 kullan\u0131r.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">\u00d6nceki 31 Aral\u0131k bakiyesi<\/label><input type=\"text\" name=\"nceki_31_aralk_bakiyesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Da\u011f\u0131t\u0131m y\u0131l\u0131ndan \u00f6nceki y\u0131l\u0131n sonundaki hesap bakiyesini girin.<\/small><\/div><div class=\"field is-checkbox is-single\" id=\"input-4\"><input type=\"checkbox\" id=\"field-4\" value=\"1\"\/><label for=\"field-4\">Tek lehdar, benden 10 y\u0131ldan fazla gen\u00e7 olan e\u015fimdir<\/label><\/div><div class=\"field\" id=\"input-5\" hidden><label for=\"field-5\">E\u015fin do\u011fum y\u0131l\u0131<\/label><input type=\"text\" name=\"ein_doum_yl\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1900\" max=\"2100\" value=\"1970\"\/><small id=\"calc-info-5\">Do\u011fum y\u0131llar\u0131 aras\u0131nda en az 11 y\u0131l fark bulunan durumlar bu tahmin i\u00e7in uygun kabul edilir; ger\u00e7ek uygunluk do\u011fum tarihlerine ba\u011fl\u0131d\u0131r.<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Varsay\u0131lan y\u0131ll\u0131k b\u00fcy\u00fcme<\/label><input type=\"number\" name=\"varsaylan_yllk_byme\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" min=\"-100\" max=\"100\" step=\"0.1\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><small id=\"calc-info-6\">Yaln\u0131zca projeksiyon i\u00e7indir. B\u00fcy\u00fcme, her y\u0131l \u00f6ng\u00f6r\u00fclen da\u011f\u0131t\u0131mdan sonra uygulan\u0131r.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4135\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> RMD tahmininiz<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Da\u011f\u0131t\u0131m y\u0131l\u0131ndaki ya\u015f<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>\u00d6m\u00fcr tablosu b\u00f6leni<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Zorunlu asgari da\u011f\u0131t\u0131m<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>RMD&#039;nin ba\u015flang\u0131\u00e7 bakiyesine oran\u0131<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>\u0130lk RMD y\u0131l\u0131<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>10 y\u0131ll\u0131k projeksiyon<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4135\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Be\u011fendim <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Faydal\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Kafam kar\u0131\u015ft\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Hatal\u0131 <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>RMD Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[\\begin{aligned}A_y &amp;= y-b \\\\ \\text{RMD}_y &amp;= \\frac{B_y}{D_y} \\\\ P_y &amp;= 100\\times\\frac{\\text{RMD}_y}{B_y} \\\\ B_{y+1} &amp;= (B_y-\\text{RMD}_y)\\left(1+\\frac{g}{100}\\right)\\end{aligned}\\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki g\u00f6sterimler:<\/strong><\/p>\n<ul>\n<li>\\(y\\) \u2014 da\u011f\u0131t\u0131m y\u0131l\u0131<\/li>\n<li>\\(b\\) \u2014 hesap sahibinin do\u011fum y\u0131l\u0131<\/li>\n<li>\\(A_y\\) \u2014 da\u011f\u0131t\u0131m y\u0131l\u0131nda dolanan ya\u015f<\/li>\n<li>\\(B_y\\) \u2014 \u00f6nceki 31 Aral\u0131k tarihindeki hesap bakiyesi<\/li>\n<li>\\(D_y\\) \u2014 ilgili ya\u015fam tablosundan al\u0131nan b\u00f6len<\/li>\n<li>\\(P_y\\) \u2014 RMD'nin ba\u015flang\u0131\u00e7 bakiyesine oran\u0131 (y\u00fczde olarak)<\/li>\n<li>\\(g\\) \u2014 varsay\u0131lan y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131 (y\u00fczde)<\/li>\n<\/ul>\n<p>Y\u0131ll\u0131k RMD, \u00f6nceki y\u0131l\u0131n 31 Aral\u0131k tarihindeki bakiyenin ilgili b\u00f6lene b\u00f6l\u00fcnmesiyle bulunur. Projeksiyonda ise hesaplay\u0131c\u0131, varsay\u0131lan b\u00fcy\u00fcme oran\u0131n\u0131 uygulamadan \u00f6nce o y\u0131l\u0131n RMD'sini bakiyeden d\u00fc\u015fer.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>RMD \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> Do\u011fum y\u0131l\u0131 1953 olan bir hesap sahibinin 31 Aral\u0131k 2025 tarihindeki bakiyesi 500.000 $ olsun ve ki\u015fi 2026 RMD'sini tahmin etmek istiyor. Tek yararlan\u0131c\u0131s\u0131 1970 do\u011fumlu e\u015fi oldu\u011fu i\u00e7in varsay\u0131lan \"daha gen\u00e7 e\u015f\" se\u00e7ene\u011fi i\u015faretlidir. Varsay\u0131lan y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131 %5.<\/p>\n<p>\\[\\begin{aligned}\\text{Hesap sahibinin ya\u015f\u0131} &amp;= 2026-1953=73 \\\\ \\text{E\u015fin ya\u015f\u0131} &amp;= 2026-1970=56 \\\\ \\text{Tahmini b\u00f6len} &amp;= \\max(26.5+0.18(73-56-10),\\;30.74+0.9)=31.64 \\\\ \\text{Tahmini RMD} &amp;= \\frac{\\$500{,}000}{31.64}=\\$15{,}802.78 \\\\ \\text{31 Aral\u0131k projeksiyon bakiyesi} &amp;= (\\$500{,}000-\\$15{,}802.78)\\times1.05\\approx\\$508{,}407.08\\end{aligned}\\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> Tahmini 2026 RMD'si 15.802,78 $; yani ba\u015flang\u0131\u00e7 bakiyesinin %3,16's\u0131. Hesaplay\u0131c\u0131 b\u00f6leni 31,6'ya yuvarlayarak g\u00f6sterir, ancak hesaplamada yuvarlanmam\u0131\u015f de\u011feri kullan\u0131r. Ona g\u00f6re 31 Aral\u0131k 2026 tarihindeki projeksiyon bakiyesi 508.407,08 $.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>Hesap sahibinin do\u011fum y\u0131l\u0131n\u0131<\/strong> ve <strong>da\u011f\u0131t\u0131m y\u0131l\u0131n\u0131<\/strong> girin. Hesaplay\u0131c\u0131, ikisinin fark\u0131n\u0131 o y\u0131la ait ya\u015f olarak kullan\u0131r.<\/li>\n<li>Hesab\u0131n <strong>\u00f6nceki 31 Aral\u0131k bakiyesini<\/strong> girin. 2026 da\u011f\u0131t\u0131m\u0131 i\u00e7in 31 Aral\u0131k 2025 tarihindeki bakiyeyi kullan\u0131n.<\/li>\n<li><strong>Tek yararlan\u0131c\u0131, benden 10 ya\u015f\u0131ndan fazla k\u00fc\u00e7\u00fck e\u015fimdir<\/strong> se\u00e7ene\u011fini yaln\u0131zca durumunuz buysa i\u015faretleyin. \u0130\u015faretledi\u011finizde <strong>e\u015finizin do\u011fum y\u0131l\u0131n\u0131<\/strong> girin. Aksi h\u00e2lde se\u00e7ene\u011fi bo\u015f b\u0131rak\u0131n; b\u00f6ylece Tekd\u00fcze Ya\u015fam Tablosu kullan\u0131l\u0131r.<\/li>\n<li>Projeksiyon i\u00e7in <strong>varsay\u0131lan y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131n\u0131<\/strong> belirleyin. Bu oran, zaten girdi\u011finiz bakiyeye dayanan o y\u0131l\u0131n RMD'sini de\u011fi\u015ftirmez.<\/li>\n<li><strong>Zorunlu asgari da\u011f\u0131t\u0131m\u0131<\/strong>, <strong>RMD'nin ba\u015flang\u0131\u00e7 bakiyesine oran\u0131n\u0131<\/strong> ve <strong>ilk RMD y\u0131l\u0131n\u0131<\/strong> okuyun. Se\u00e7ti\u011finiz b\u00fcy\u00fcme varsay\u0131m\u0131n\u0131n sonraki tahmini bakiyelere ve da\u011f\u0131t\u0131mlara etkisini g\u00f6rmek i\u00e7in <strong>10 y\u0131ll\u0131k projeksiyonu<\/strong> kullan\u0131n.<\/li>\n<\/ol>\n<h2>RMD tahmininiz ne anlama geliyor<\/h2>\n<p>Zorunlu asgari da\u011f\u0131t\u0131m, genel olarak, bir da\u011f\u0131t\u0131m y\u0131l\u0131 i\u00e7in uygun emeklilik hesab\u0131 sahibinin \u00e7ekmek zorunda oldu\u011fu asgari tutard\u0131r. Usul hesaplamada, hesab\u0131n \u00f6nceki takvim y\u0131l\u0131 sonundaki bakiyesi bir ya\u015fam beklentisi b\u00f6lenine b\u00f6l\u00fcn\u00fcr. Ayn\u0131 bakiye i\u00e7in b\u00f6len k\u00fc\u00e7\u00fcld\u00fck\u00e7e zorunlu \u00e7ekim tutar\u0131 b\u00fcy\u00fcr. G\u00f6sterilen tutar, hesaplay\u0131c\u0131n\u0131n varsay\u0131mlar\u0131 alt\u0131nda bir alt s\u0131n\u0131rd\u0131r; \u00f6nerilen bir \u00e7ekim tutar\u0131 ya da yat\u0131r\u0131m getirisi \u00f6ng\u00f6r\u00fcs\u00fc de\u011fildir.<\/p>\n<p>1951 ile 1959 aras\u0131nda do\u011fan hesap sahipleri i\u00e7in hesaplay\u0131c\u0131 ilk RMD y\u0131l\u0131n\u0131 73 ya\u015f\u0131na girdikleri y\u0131l olarak al\u0131r; 1960 ve sonras\u0131nda do\u011fanlar i\u00e7in ise 75 ya\u015f\u0131n\u0131 kullan\u0131r. 1953 do\u011fumlu biri i\u00e7in bu, ilk RMD y\u0131l\u0131n\u0131 2026 yapar. Daha erken do\u011fmu\u015f ku\u015faklar eski kurallara g\u00f6re ba\u015flam\u0131\u015f olabilir; hesaplay\u0131c\u0131, 2023'ten \u00f6nce kalan bir ilk y\u0131l\u0131 bu eski kurallara ba\u011fl\u0131 olarak belirtir. Se\u00e7ilen y\u0131l hesaplanan ilk RMD y\u0131l\u0131ndan \u00f6nceyse, hen\u00fcz RMD gerekmedi\u011fini bildirir.<\/p>\n<p>Daha gen\u00e7 e\u015f se\u00e7ene\u011fi i\u015faretli de\u011filse b\u00f6len, 2022'den beri ge\u00e7erli olan IRS Tekd\u00fcze Ya\u015fam Tablosu'ndan (Uniform Lifetime Table) gelir. Hesaplay\u0131c\u0131n\u0131n kulland\u0131\u011f\u0131 ya\u015f, hesaplamay\u0131 yapt\u0131\u011f\u0131n\u0131zda o do\u011fum g\u00fcn\u00fc hen\u00fcz gelmemi\u015f olsa bile da\u011f\u0131t\u0131m y\u0131l\u0131nda dolanan ya\u015ft\u0131r. 10 y\u0131ll\u0131k tablo, her y\u0131l \u00f6nce tahmini da\u011f\u0131t\u0131m\u0131, ard\u0131ndan b\u00fcy\u00fcme oran\u0131n\u0131 uygulayarak bir y\u0131l sonu projeksiyon bakiyesi \u00fcretir. Y\u0131ll\u0131k RMD \u00e7ekimleri olmadan b\u00fcy\u00fcmeyi incelemek isterseniz bu varsay\u0131m\u0131 ayr\u0131 bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">bile\u015fik faiz hesaplamas\u0131yla<\/a> kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve \u00f6nemli s\u0131n\u0131rlar<\/h2>\n<p><strong>Daha gen\u00e7 e\u015f sonu\u00e7lar\u0131 yakla\u015f\u0131kt\u0131r.<\/strong> E\u015f se\u00e7ene\u011fi i\u015faretlendi\u011finde hesaplay\u0131c\u0131, iki ya\u015f\u0131 birlikte kullanarak ortak bir ya\u015fam b\u00f6lenini tahmin eder; resm\u00ee IRS Ortak Ya\u015f ve Son Sa\u011f Kalan Beklentisi Tablosu'na (Tablo II) bakmaz. B\u00f6leni bir ondal\u0131k basama\u011fa yuvarlayarak g\u00f6sterir, ancak hesaplamada yuvarlanmam\u0131\u015f tahmini kullan\u0131r. Da\u011f\u0131t\u0131m yapmadan \u00f6nce ger\u00e7ek Tablo II b\u00f6lenini do\u011frulay\u0131n. Do\u011fum y\u0131llar\u0131 aras\u0131nda en az 11 y\u0131l fark bulunmas\u0131 hesaplay\u0131c\u0131n\u0131n uygunluk kontrol\u00fcnden ge\u00e7er; ancak bir e\u015fin \"10 ya\u015f\u0131ndan fazla k\u00fc\u00e7\u00fck\" olup olmad\u0131\u011f\u0131n\u0131 yaln\u0131zca do\u011fum y\u0131llar\u0131 de\u011fil, do\u011fum g\u00fcnleri belirler.<\/p>\n<p>Tahmin, hesap sahibi i\u00e7indir; miras kalm\u0131\u015f bir hesap i\u00e7in de\u011fildir. Miras hesap kurallar\u0131n\u0131, h\u00e2l\u00e2 \u00e7al\u0131\u015fan baz\u0131 401(k) kat\u0131l\u0131mc\u0131lar\u0131na tan\u0131nan istisnalar\u0131 ve ilk y\u0131l \u00f6deme son tarihlerini modelemez. Hesab\u0131n\u0131za ve da\u011f\u0131t\u0131m y\u0131l\u0131n\u0131za ili\u015fkin kurallar\u0131 kontrol edin: \u0130lk RMD'yi geciktirmek, ertesi takvim y\u0131l\u0131nda iki da\u011f\u0131t\u0131m almak anlam\u0131na gelebilir. Ayr\u0131ca \u00e7ekimlerin burada g\u00f6sterilmeyen vergi sonu\u00e7lar\u0131 olabilir.<\/p>\n<p>Projeksiyon, hesaplanan RMD'lerin d\u0131\u015f\u0131nda hi\u00e7bir katk\u0131 veya \u00e7ekim yap\u0131lmad\u0131\u011f\u0131n\u0131 ve her \u00e7ekimden sonra ayn\u0131 b\u00fcy\u00fcme oran\u0131n\u0131n uyguland\u0131\u011f\u0131n\u0131 varsayar. Ger\u00e7ek getiriler, bakiyeler ve gelecekteki RMD'ler farkl\u0131 olacakt\u0131r. Ek mevduatlar\u0131n da yer ald\u0131\u011f\u0131 daha kapsaml\u0131 bir birikim plan\u0131n\u0131 incelemek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/tasarruf-yatirim-hesaplama\/\">birikim ve yat\u0131r\u0131m hesaplay\u0131c\u0131s\u0131n\u0131<\/a> kullan\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zorunlu asgari da\u011f\u0131t\u0131m\u0131n\u0131z\u0131 (RMD) tahmin edin ve 10 y\u0131ll\u0131k projeksiyonu g\u00f6r\u00fcn. Hesap sahibinin do\u011fum y\u0131l\u0131n\u0131, da\u011f\u0131t\u0131m y\u0131l\u0131n\u0131, \u00f6nceki 31 Aral\u0131k bakiyesini ve varsay\u0131lan b\u00fcy\u00fcme oran\u0131n\u0131 girin; s\u00f6z konusuysa e\u015f bilgilerini de ekleyin.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[94],"class_list":["post-4135","post","type-post","status-publish","format-standard","hentry","category-finans","tag-vergi-maas"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=4135"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4135\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}