Inherited IRA RMD Calculator
Balance on 31 December last year
usd
The prior year-end balance is the one the rule uses, not today’s.
Your age in the first distribution year
The beneficiary’s age, not the age of the person who died. The divisor is fixed in that first year and then counts down.
Which distribution year is this
1 is the first year you had to take anything — usually the year after the death.
Which rule applies
Ten-year rule — most beneficiaries since 2020
Life expectancy — spouse, minor child, disabled, or within 10 years of the owner’s age
The SECURE Act put most non-spouse beneficiaries of owners who died after 2019 on the ten-year rule. The exceptions are called eligible designated beneficiaries.
Had the owner started their own RMDs?
Yes — they had reached their required beginning date
No — they died before it
This is what decides whether the ten-year rule also demands a withdrawal every year, or only that the account is empty at the end.
Your income tax rate
percent
Minimum you must take this year
$12,658
Show the work
Inherited IRA RMD Calculator
by Rule Calculator