Inherited IRA Calculator
Beneficiary draw rules are complex — this tool sketches spreading balance over years with growth for planning. Click any i for detail.
Inherited balance
Inherited balance ($)
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Balance
Starting IRA value. |
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Years to empty
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Years
Planning horizon (10-year rule sketch). |
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Growth rate (%)
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Growth
Average annual return before withdrawals. |
How to use this calculator
- Enter inherited balance.
- Set years and growth assumption.
- Review first-year withdrawal sketch.
Results explained
Headline is the first-year withdrawal in a simplified equal-pull schedule with growth applied before each pull.
Quick reference: inherited IRA sketch
Not legal advice.
| Item | Detail |
|---|---|
| 10-year rule | Many non-spouse beneficiaries must empty in 10 years |
| Schedule | Educational equal annual pulls |
Eligible designated beneficiaries and spouse rules differ — confirm with custodian.
How the estimate is built
Each year: grow balance, withdraw min(balance, starting balance ÷ years) in equal-base sketch.
Example scenario
$180,000 over 10 years with 5% growth might start near $18,000 in year one in the equal-base sketch — actual required minimums can differ.
FAQ
Is this RMD math?
No — beneficiary SECURE Act rules are simplified.
Spouse beneficiary?
Spouse may roll to own IRA with different rules.
Taxes on withdrawals?
Traditional inherited IRA withdrawals are generally taxable — not modeled.