Inherited IRA Calculator (10-Year Rule)
SECURE Act 2020 forces most non-spouse beneficiaries to fully withdraw the account within 10 years. Compute the year-by-year withdrawal that minimizes lifetime tax (front-load, level, back-load strategies).
FINANCESECURE Act 2020 forces most non-spouse beneficiaries to fully withdraw the account within 10 years. Compute the year-by-year withdrawal that minimizes lifetime tax (front-load, level, back-load strategies).
Detailed instructions, formula notes, and US-context guidance shown in the calculator above.
Inherited IRA Calculator (10-Year Rule)
SECURE Act 2020: most non-spouse beneficiaries must fully withdraw inherited IRA within 10 years. Choosing withdrawal sequence affects lifetime tax bill substantially.
If original owner was already taking RMDs at death, annual RMDs are required years 1-9 plus full distribution by year 10. Eligible Designated Beneficiaries (spouse, minor child, disabled) qualify for life-expectancy stretch.