Calculators
Inherited IRA RMD Calculator
Estimate the required minimum distribution from an inherited IRA using the life expectancy factor, and an even 10-year withdrawal plan.
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The tool
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What people use it for
- Planning withdrawals from an inherited IRA
- Avoiding missed-RMD penalties
- Spreading taxable income across years
- Estate planning conversations
About this tool
What the Inherited IRA RMD Calculator does
Beneficiaries of an inherited IRA must take distributions under IRS rules. Eligible beneficiaries can stretch withdrawals using the Single Life Expectancy table, reducing the factor by one each year. Many other beneficiaries must empty the account by the end of the tenth year. This calculator shows the annual RMD and an even 10-year schedule.
Formula
- Divisor = starting life expectancy factor − years elapsed
- RMD = prior year-end balance ÷ divisor
- Even withdrawals = payment that empties the account over the years left at the expected return
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Account value at last 31 December | $300,000 |
| Starting life expectancy factor | 31.6 |
| Years since the first distribution year | 0 |
| Years left under a 10-year rule | 10 |
| Expected annual return | 5% |
| Result | Value |
|---|---|
| Required minimum distribution this year | $9,494 |
| Divisor used | 31.6 |
| Share of the account | 3.16% |
| Even withdrawals to empty within the years left | $38,851 |
How to read the result
Spreading withdrawals evenly over a 10-year window usually keeps you in lower tax brackets than taking a large amount in the final year.
Whether annual RMDs are required during the 10 years depends on whether the original owner had started their own RMDs. Check the current IRS rules or ask an adviser.
Not tax advice. Inherited IRA rules are complex; confirm the rules that apply to you with the IRS or an adviser.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Divide the prior year-end balance by the life expectancy factor, reduced by one for each year since the first distribution year.
Many non-spouse beneficiaries must fully empty an inherited IRA by the end of the tenth year after the owner's death.
Eligible designated beneficiaries such as surviving spouses, minor children, disabled or chronically ill people, and beneficiaries not more than ten years younger than the owner.
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