RMD & Stretch IRA Calculator

Project an IRA owner's required minimum distributions, then compare how an heir would fare under the pre-2020 stretch IRA versus today's 10-year rule. Pair this with the free rmd calculator for a fuller picture before you make a decision.

Enter the owner and heir

Owner's year of birth

Owner's assumed age at death

yrs

IRA balance on December 31, 2025

Traditional IRA or other pre-tax account. The owner takes their own RMDs until death.

Beneficiary's year of birth

An heir such as an adult child or grandchild, born more than 10 years after the owner.

Expected annual return

Heir's tax rate on withdrawals

More options

Withdrawals under the 10-year rule

Tax rate on 10-year-rule withdrawals

Raise this if the bigger withdrawals push the heir into a higher bracket.

Tax rate on reinvested earnings

After-tax withdrawals are assumed to be invested in a taxable account at the same return.

Your results

Tax-deferral value lost to the 10-year rule

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Inherited balance

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After-tax wealth with the stretch

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After-tax wealth with the 10-year rule

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Stretch payout period–

10-year rule deadline–

Owner's lifetime RMDs–

Heir's tax: stretch / 10-year rule–

The stretch shown is the pre-2020 rule for a non-spouse heir, which still applies to eligible designated beneficiaries (spouse, minor child, disabled or chronically ill heirs, and heirs born no more than 10 years after the owner). Both use today's IRS life expectancy tables.

Heir's withdrawals: stretch vs 10-year rule

Year	Heir age	Stretch withdrawal	Stretch IRA balance	10-year withdrawal	10-year IRA balance

Owner's RMDs until death

Year	Owner age	Balance Dec 31 prior year	Divisor	RMD

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