Beneficiary RMD – Spouse (Current Year)

Calculate current-year inherited RMDs for a spouse.

  • Methods explained
  • Save scenarios
  • Compare saved scenarios

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.

Current Year Details

$

Current Year RMD

Current Year RMD$19,608
Distribution Factor25.5

✓ RMD Required This Year

Deadline: December 31, 2026

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