Inherited IRA Calculator
Calculate your required distributions from an inherited IRA, Roth IRA, or 401(k). Covers the SECURE Act 10-year rule, eligible designated beneficiary exceptions, and tax impact.
Inherited Account Details
10-Year Distribution Rule
10-Year Rule: The entire account must be distributed by December 31 of the 10th year following the year of death. Annual RMDs may be required for traditional accounts.
First Year RMD
$12,563
~$3,015 tax
Total Distributed
$837,304
Over 10 years
Total Taxes
$200,953
At 24% rate
After-Tax Total
$636,351
From $500,000
Total
$1,038,257
Original Balance
48%$500,000/yr
Growth During Distribution
32%$337,304/yr
Total Taxes
19%$200,953/yr
Distribution Strategy Comparison
Account Balance Over Time
Projected balance as distributions are taken
Annual Distributions
Pre-tax and after-tax distributions
Distribution Schedule
| Year | Age | Balance | Divisor | RMD | Tax | After Tax |
|---|---|---|---|---|---|---|
| 1 | 46 | $500,000 | 39.8 | $12,563 | $3,015 | $9,548 |
| 2 | 47 | $516,683 | 38.8 | $13,317 | $3,196 | $10,121 |
| 3 | 48 | $533,569 | 37.8 | $14,116 | $3,388 | $10,728 |
| 4 | 49 | $550,620 | 36.8 | $14,963 | $3,591 | $11,372 |
| 5 | 50 | $567,797 | 35.8 | $15,860 | $3,806 | $12,054 |
| 6 | 51 | $585,053 | 34.8 | $16,812 | $4,035 | $12,777 |
| 7 | 52 | $602,336 | 33.8 | $17,821 | $4,277 | $13,544 |
| 8 | 53 | $619,586 | 32.8 | $18,890 | $4,534 | $14,356 |
| 9 | 54 | $636,738 | 31.8 | $20,023 | $4,806 | $15,218 |
| 10 | 55 | $653,718 | -- | $692,941 | $166,306 | $526,635 |
Personalized Insights
Actionable recommendations based on your numbers
Your Distribution Rule
10-Year Rule: The entire account must be distributed by December 31 of the 10th year following the year of death. Annual RMDs may be required for traditional accounts.
First Year Distribution
Your first required distribution is $12,563 with approximately $3,015 in federal taxes.
Total Tax Impact
At your 24% marginal rate, you'll pay approximately $200,953 in federal income taxes on distributions over 10 years. After taxes, you'll keep $636,351.
Growth During Distribution
The account is projected to grow by $337,304 while being distributed, thanks to continued 6% annual returns.
Peak Distribution Year
Your largest distribution of $692,941 is significantly higher than the average of $83,730. Consider spreading distributions more evenly to manage tax brackets.
Even Distribution Strategy
Distributing $50,000/yr evenly over 10 years could save approximately $24,221 in taxes compared to the minimum RMD approach, by avoiding a large taxable distribution in the final year.
Penalty for Missed RMDs
The penalty for failing to take an RMD is 25% of the shortfall (reduced from the previous 50%). This drops to 10% if corrected within 2 years.
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