Inherited IRA Withdrawal Comparison

Project a chosen ten-year withdrawal strategy or eligible life-expectancy schedule.

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The ten-year option is a voluntary withdrawal strategy, not the legal annual minimum. Life-expectancy treatment requires an eligible or grandfathered beneficiary. Use the advanced beneficiary RMD calculator to establish the applicable rule before choosing a strategy.

Inherited IRA Details

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Distribution Analysis

Planned Year 1 Withdrawal$40,000
Total Distributions$503,116
Years of Distributions10
Projected Growth$103,116

Distribution Schedule

Year 1$40,000
Year 2$42,000
Year 3$44,100
Year 4$46,305
Year 5$48,620
Year 6$51,051
Year 7$53,604
Year 8$56,284
Year 9$59,098
Year 10$62,053

Projection

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