Spouse Inherited IRA — Retirement Calculators

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This traditional-IRA scenario assumes a sole spouse beneficiary and the selected treatment. The owner’s required beginning date is a separate fact from their age. Confirm that date and the year of death; special spouse elections and year-of-death shortfalls are not modeled.

Inherited IRA Details

Distribution Year

Owner Year of Death

Owner Died Before or After the Required Beginning Date

Prior December 31 Account Balance

Spouse Age

Decedent's Age at Death

Election

Expected Annual Return

Spouse IRA Analysis

RMD Start Age64

First Year RMD$0

Projected Balance at 72$661,500

Total RMDs (Ages 73-85)$900,256

Distribution Method

Remain as inherited IRA

How it works›

Model and assumptions. Divides the applicable account balance by the modeled distribution-period factor and projects later balances using the entered return. Owner versus beneficiary treatment and the applicable deadline determine which rule applies. The selected beneficiary category and dates must match the account; omitted exceptions require separate review.IRS Publication 590-B

Beneficiary RMD – Spouse Inherited IRA

Inherited IRA Details

Spouse IRA Analysis