Spouse Inherited IRA RMD Calculator
Your results
Beneficiary RMDs must start
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Your own RMD age (year)
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Owner died before RBD?
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You reach age 59½
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Treating the IRA as your own means withdrawals before 59½ usually carry the 10% additional tax; as a beneficiary they don’t. You can stay a beneficiary for now and treat the IRA as your own later. The spousal election follows proposed IRS regulations (REG-103529-23) that are not yet final, so confirm with your IRA custodian how it applies.
Your options compared
How each choice changes when RMDs start, how much you must withdraw over the projection and what is left at the end.
| Option | First required withdrawal | First amount | Total withdrawn | Balance at end | 10% early-withdrawal tax |
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Year-by-year required withdrawals
Minimum withdrawal under each option, assuming only the required amount is taken and the account earns the return you entered.
| Year | Your age | Own IRA | Beneficiary (Single Life) | Spousal election | 10-year rule |
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Results are estimates for educational purposes and are not financial, tax or legal advice.
Compare when required withdrawals start and how large they are if you treat an IRA inherited from your spouse as your own, remain a beneficiary, make the spousal election or use the 10-year rule. The rmd calculator uses the same plain-English approach, so you can compare results side by side.