Company Marketcap

Inherited IRA Stretch RMD Projection

Enter the inherited IRA details

These non-spouse beneficiaries can stretch payouts over their life expectancy. Others must use the 10-year rule.

$
%
More options
yrs

Their heirs keep taking the annual amounts but must empty the account by the 10th year after the death.

Your results

First required withdrawal

–

Starting divisor

–

Account fully paid out

–

Total withdrawn (stretch)

–

Total withdrawn (10-year rule)

–

For a surviving spouse, use the spouse inherited IRA calculator: spouses get extra options, such as treating the IRA as their own.

Year-by-year stretch payouts

Required withdrawals if the beneficiary takes only the minimum each year, with the 10-year rule shown alongside for comparison.

YearBeneficiary ageBalance Dec 31 prior yearDivisorRequired withdrawalBalance at year-end10-year rule withdrawal

Results are estimates for educational purposes and are not financial, tax or legal advice.

Project the yearly required withdrawals from an inherited IRA paid out over an eligible beneficiary’s life expectancy, and see how that compares with emptying it under the 10-year rule. The rmd calculator uses the same plain-English approach, so you can compare results side by side.