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Inherited IRA RMD Calculator

Inherited IRA RMD Calculator. A beneficiary enters inherited balance, distribution period, prior distributions, and tax rate to estimate a remaining required distribution and tax. Use it after inheriting an IRA while planning a distribution year.

Inputs

Retirement, Pension & Health Accounts inputs

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 300000. Edit this value for your own facts.

Range: 1–100 years

Enter the count or numeric assumption in the unit stated by the label. Professional example: 10. Edit this value for your own facts.

Range: 0–100,000,000 $

Enter a non-negative US-dollar amount for the stated tax year; use the same tax year and jurisdiction for all related inputs. Professional example: 0. Edit this value for your own facts.

Range: 0–100 %

Enter a percentage as a whole number, such as 22 for 22%, not 0.22. Professional example: 22. Edit this value for your own facts.

Result

Remaining Balance
300,000.00
Estimate
Estimated tax
6,600.00
Required Distribution
30,000.00
How to interpret this result
Inherited IRA RMD Calculator starts with a professional planning example for this scenario. Edit the inputs to replace the example with your own facts; the displayed outputs update from the formula.
Applicability and limits
This is a simplified distribution-period estimate. It does not determine the 10-year rule, annual RMD method, beneficiary classification, eligible designated beneficiary exceptions, or Form 5329 treatment.
Calculation basis
Only the named inputs and displayed formula relationships are used. Rates, limits, thresholds, eligibility flags, dates, and jurisdiction assumptions are not silently looked up unless a verified dataset is listed.

Formula

Calculation logic

Formula definitions and substituted values.

What to check

  • A beneficiary enters inherited balance, distribution period, prior distributions, and tax rate to estimate a remaining required distribution and tax.
  • Use it after inheriting an IRA while planning a distribution year.
  • This is a simplified distribution-period estimate. It does not determine the 10-year rule, annual RMD method, beneficiary classification, eligible designated beneficiary exceptions, or Form 5329 treatment.

Related calculators

This is a simplified distribution-period estimate. It does not determine the 10-year rule, annual RMD method, beneficiary classification, eligible designated beneficiary exceptions, or Form 5329 treatment.