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La Ley de Ayuda, Alivio y Seguridad Económica por Coronavirus (CARES, por sus siglas en inglés) exime a los titulares de cuentas IRA, y a los participantes en planes de jubilación calificados de contribución definida, de la Distribución Mínima Requerida (RMD, por sus siglas en inglés) para el 2020. Esto incluye las RMD para el año calendario fiscal 2020, así como las RMD para el 2019 que debían ser tomadas por primera vez antes del 1 de abril del 2020 y que no fueron tomadas antes en el 2019. La exención para el 2020 se extiende a los beneficiarios, incluyendo los que hayan optado por agotar la cuenta según "the five-year rule" ("la regla de los cinco años"), efectivamente prolongando el período a seis años.

Plan Ahead With These Calculators

We know how challenging it is to figure out how much to invest or how much college will cost when your child grows up. These calculators are here to assist you through your planning process. Take some time to try out the retirement planning and college savings calculators in our library.

Start planning your retirement

Ready to start thinking about retirement? This calculator gives you an idea of how much you'll need to save so you can begin setting financial goals.

Calculate my retirement

Are you saving enough? Are you on track to have the kind of retirement you want? This calculator can help you answer these questions.

Traditional vs. Roth IRA calculator

Both Traditional IRAs and Roth IRAs offer a number of tax advantages when saving for your retirement. Sometimes, the most difficult decision to make is which IRA you should choose. This calculator is intended to help you analyze which IRA is right for you. A 10% tax penalty may apply for withdrawals from tax-qualified products before age 59 1/2.

IRA conversion calculator

Wondering if you should convert your Traditional IRA to a Roth IRA? Use this calculator to help you better understand how a conversion will impact you.

Required minimum distributions calculator

For 2019, you're required to start taking Required Minimum Distributions (RMD) from your Traditional IRA by April 1 of the year following the year in which you reach age 70½. Once you begin RMD’s you must take an RMD distribution each year. For 2020, you are required to start taking RMD’s from your Traditional IRA by April 1 of the year following reaching 72 years of age.



What will it take to save for a college education?

Worried you're falling short of saving enough for your child's education? Use this calculator to find out what you will need to save for college.

What will it take to pay off my student loans?

You may not be able to avoid borrowing some money to help pay for college. Loans may be necessary. Use this calculator to estimate how long it will take to pay off your balance if you take out a student loan.


Risk Disclosures

Securities distributed by State Farm VP Management Corp. Securities, insurance and annuity products are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.

Neither State Farm® nor its agents provide tax or legal advice.

AP2020/01/0095