Inherited IRA Planning Tool
Inherited IRA Calculator & RMD Guide
Inherited an IRA? The rules are complicated, especially after the SECURE Act. This tool tells you exactly what you need to do: your beneficiary classification, required distributions, and the withdrawal strategy that saves you the most in taxes.
I built this tool because inherited IRA mistakes are some of the most expensive, and most preventable, errors I see. The rules are confusing, but the math doesn't have to be.
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About the Inherited IRA
Tell us about the IRA you inherited. These details determine which IRS rules apply to your distributions.
Current account value
Traditional: Distributions are taxed as ordinary income in the year you withdraw.
SECURE Act rules apply to deaths after December 31, 2019
Age at death: 78
⚠️ Owner was 73+: they had reached their Required Beginning Date (RBD). This means annual RMDs are required for most non-spouse beneficiaries.
Why does the owner's age matter?
Under SECURE 2.0, IRA owners must begin taking Required Minimum Distributions (RMDs) at age 73. If the owner died after reaching this age, most non-spouse beneficiaries must take annual RMDs during the 10-year window. If the owner died before age 73, non-spouse beneficiaries can choose when to withdraw, as long as the account is emptied by year 10.