Inherited RMD Calculator

Inherited RMD Calculator

Find out what you must withdraw from an inherited IRA this year.

Your result

Your rule. Your amount.
Your deadline.

Start with who left you the account.
We’ll ask only what we need.

Inherited IRA rules in plain words

A surviving spouse has a choice of IRA rules. Other eligible designated beneficiaries can use life-expectancy payments. Most other individual beneficiaries must empty the account within 10 years.

The owner’s required beginning date is when their first required withdrawal was due. Under the 2024 final regulations, a death on or after that date generally means yearly withdrawals continue during the 10-year period.

Common questions

What happens if I miss the deadline?

A missed RMD can trigger an excise tax of 25% of the shortfall, reduced to 10% if corrected within two years. A waiver may be available for reasonable error by filing Form 5329. A beneficiary’s yearly RMD is due December 31.

Do I have to take money out every year under the 10-year rule?

If the owner died on or after their required beginning date, yearly minimum withdrawals generally apply as well as the 10-year deadline. If they died before it, or it is a Roth IRA, no yearly minimum is required before the final year. IRS relief covered certain missed yearly withdrawals in 2021–2024; annual amounts apply from 2025.

What if I inherited from my husband or wife?

A sole surviving spouse can generally treat the IRA as their own or keep it as an inherited IRA. The starting year and yearly amount can differ. The calculator shows both choices.

What counts as an eligible designated beneficiary?

A surviving spouse, the owner’s child under 21, a person who is disabled or chronically ill under IRS definitions, or someone not more than 10 years younger than the owner. A grandchild does not qualify just because they are under 21.

Is an inherited Roth IRA different?

An inherited Roth IRA is treated as if the owner died before their required beginning date. A beneficiary under the 10-year rule has no yearly minimum before the final year. A spouse who treats the Roth IRA as their own has no required withdrawals during their lifetime.

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How we calculate

  1. Use your relationship, the account type and both birth years to identify the rule.
  2. Check whether the owner died before their required beginning date.
  3. Divide the prior December 31 balance by the IRS life-expectancy divisor when a yearly withdrawal applies.
  4. Reduce a non-spouse’s initial divisor by one each year. Recalculate a spouse’s divisor each year. Use the longer life expectancy when required.
  5. Project future balances after each withdrawal using your chosen growth rate. Future rows are illustrations, not investment forecasts.

Sources

Tables: IRS Pub. 590-B Appendix B, Table I (Single Life) and Table III (Uniform Lifetime); last checked 13 Nov 2026.