RMD Inherited IRA Calculator: 2026 Rules
Use our inherited ira rmd calculator to determine your mandatory withdrawal obligations for inherited IRAs under the SECURE Act 2.0.
Whether you need to calculate rmd for inherited ira as a spouse or a non spouse inherited ira rmd calculator, we follow the latest 2026 IRS regulations.
Beneficiary Information
Estimated 2026 RMD Amount
Applicable Rule
Calculating...
RMD Deadline
Dec 31, 2026
Strategic Analysis
5-Year Withdrawal Plan Preview
| Year | Your Age | Projected RMD | Year-End Balance |
|---|
Inherited Portfolio Projection
This rmd calculator for inherited ira visualizes your mandatory withdrawals and account balance depletion over time. It assumes a 5% annual investment return and that only the required minimum is withdrawn.
How to Use the Inherited IRA RMD Calculator
Identify Beneficiary Type
Are you a spouse, a minor, or a non-spouse? This rmd inherited ira non spouse calculator adjusts its logic based on your relationship to the owner.
Enter Year of Death
The rmd inherited ira year of death is critical. Distributions differ significantly if the owner died before or after 2020 (SECURE Act).
Calculate RMD
Instantly calculate inherited ira rmd. Our tool uses the IRS rmd inherited ira table (Single Life Expectancy) to ensure compliance.
Frequently Asked Questions: RMD Inherited IRA Calculator
What are the rmd inherited ira rules for 2026?
The rmd inherited ira rules were updated by the SECURE Act 2.0. Most non-spouse beneficiaries must empty the account within 10 years. If the owner died after their Required Beginning Date, you must also calculate rmd on inherited ira annually in years 1-9.
How do I use a non spouse inherited ira rmd calculator?
A non spouse inherited ira rmd calculator works by taking your age and the IRS Single Life Expectancy table. If you inherited in 2020 or later, you likely fall under the 10-year rule, which our rmd non spouse inherited ira calculator handles automatically.
Which IRS table does the rmd inherited ira calculator use?
Unlike original owners, an inherited ira rmd calculator must use the rmd inherited ira table known as the "Single Life Expectancy Table" (IRS Publication 590-B, Table I). This results in larger required withdrawals compared to the Uniform Lifetime Table.
How to calculate rmd for inherited ira if the owner died recently?
To calculating rmd for inherited ira, you need the account balance from Dec 31 of the previous year and your age in the current year. Our tool serves as a calculate inherited ira rmd engine that factors in the "Year of Death" and "Owner Age" to determine if annual RMDs are required.
In-Depth Analysis: Inherited IRA RMD Rules
1The "10-Year Rule"
The SECURE Act 1.0 introduced the 10-Year Rule. Most non-spouse beneficiaries who inherited in 2020 or later must empty the account by the end of the 10th year. If the owner had already reached their Required Beginning Date (RBD), you must also take annual RMDs in years 1-9.
2Who is an EDB?
Eligible Designated Beneficiaries (EDBs) are exempt from the 10-year rule. This includes spouses, minor children (until majority), disabled individuals, and those not more than 10 years younger than the owner. They can use the "Life Expectancy" method.
32025/2026 Penalty Wave
The IRS waived penalties for missed annual RMDs under the 10-year rule for 2021-2024. However, these waivers have ended. Starting in 2025 and 2026, failing to take required annual distributions can trigger a 25% excise tax on the amount not withdrawn.
4Why Use This Tool?
Using a specific rmd inherited ira calculator is essential because the divisors come from the Single Life Expectancy table, which differs from the Uniform Lifetime Table used for original owners. Correct age and death year inputs are critical for compliance.