Inheritance IRA Distribution Calculator
Inheritance ira distribution calculator works out Required minimum distribution and Distribution period from Account balance on 31 December last year, Age the owner reaches this year and Year the owner was born. The default figures on this page give required minimum distribution of 15,822.78; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- Life expectancy 31.6 at age 55, reduced by one for each of the 0 years since the first distribution year.
- RMD = balance / distribution period = 500000 / 31.6 = 15822.78.
- Already withdrawn 0, leaving 15822.78 still to take.
- A shortfall carries a 25% excise tax under IRC 4974(a), reduced to 10% if corrected within the two-year window.
Projected distributionstable
| year | age | openingBalance | distributionPeriod | distribution |
|---|---|---|---|---|
| 1 | 55 | 500,000 | 31.6 | 15,822.78 |
| 2 | 56 | 484,177.22 | 30.6 | 15,822.78 |
| 3 | 57 | 468,354.43 | 29.6 | 15,822.78 |
| 4 | 58 | 452,531.65 | 28.6 | 15,822.78 |
| 5 | 59 | 436,708.86 | 27.6 | 15,822.78 |
| 6 | 60 | 420,886.08 | 26.6 | 15,822.78 |
| 7 | 61 | 405,063.29 | 25.6 | 15,822.78 |
| 8 | 62 | 389,240.51 | 24.6 | 15,822.78 |
| 9 | 63 | 373,417.72 | 23.6 | 15,822.78 |
| 10 | 64 | 357,594.94 | 22.6 | 15,822.78 |
Figures from IRS life expectancy tables, 2022 edition, checked 31 August 2026. Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed · how reference data is kept current
Sources and references
4 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the inheritance ira distribution calculator calculates
Divides the prior year-end balance of an IRA or retirement account by the IRS distribution period to give the required minimum distribution, choosing between the Uniform Lifetime, Joint and Last Survivor and Single Life tables, and projects the distributions of later years.
How to use this inheritance ira distribution calculator
Enter Account balance on 31 December last year, Age the owner reaches this year, Year the owner was born and Beneficiary's age in the first distribution year. Required minimum distribution updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Required minimum distribution, Distribution period and IRS table used.
The method follows Treas. Reg. 1.401(a)(9)-9, Life expectancy and distribution period tables (T.D. 9930), IRS, Retirement plan and IRA required minimum distributions FAQs, IRC 401(a)(9)(C)(v) as amended by section 107 of the SECURE 2.0 ACT of 2022 - applicable age and IRC 4974(a) as amended by section 302 of the SECURE 2.0 ACT of 2022 - excise tax on a missed distribution.
What you can compare
Change one input at a time to see how it affects Required minimum distribution, Distribution period and IRS table used. The inputs you can vary are Account balance on 31 December last year, Age the owner reaches this year, Year the owner was born, Beneficiary's age in the first distribution year, Years since the first distribution year and Already withdrawn this year.
Understanding Required minimum distribution, Distribution period and IRS table used
Whether a distribution is required, which beneficiary category applies, and whether the 10-year rule replaces life-expectancy payments are tax and legal determinations this tool does not make. Confirm your facts with a qualified tax adviser and against current IRS guidance before acting.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How to calculate minimum distribution from an inherited IRA?
Divides the prior year-end balance of an IRA or retirement account by the IRS distribution period to give the required minimum distribution, choosing between the Uniform Lifetime. Open “How this is worked out” beside the result to see each step for your own figures.
How much tax do I pay on an inherited IRA distribution?
On the figures this page opens with — account balance on 31 December last year 500,000 — the required minimum distribution is 15,822.78. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
What is the best way to take distributions from an inherited IRA?
It needs Account balance on 31 December last year, Age the owner reaches this year, Year the owner was born, Beneficiary's age in the first distribution year, Years since the first distribution year and Already withdrawn this year. Nothing else is required, and the figures stay in your browser.
How much should I withdraw from an inherited IRA?
The result gives Required minimum distribution, Distribution period, IRS table used, If taken monthly, Share of the balance and Age distributions must begin, each labelled with its unit so the figure can be read on its own.
What information do I need for the inheritance ira distribution calculator?
You need Account balance on 31 December last year, Age the owner reaches this year, Year the owner was born, Beneficiary's age in the first distribution year, Years since the first distribution year, Already withdrawn this year, Years to project forward and Assumed return on the balance. The page opens with default figures that give required minimum distribution of 15,822.78, so you can see the scale before entering your own.
What does this inheritance ira distribution calculator show?
It shows Required minimum distribution, Distribution period, IRS table used, If taken monthly, Share of the balance, Age distributions must begin, Still to withdraw this year and Excise tax if the shortfall is not taken, with the working and any warnings for your entries.