Inherited IRA Distribution Rules Calculator
Understand your withdrawal requirements.
If you've inherited an IRA, there are certain distribution requirements you must meet for that account. Depending on how you're classified as a beneficiary, you may have to distribute your assets in the account:
- Annually over your lifetime, or until the funds run out
- Within a certain number of years (typically 5 or 10 years after the year the original account owner passed away)
- Using a combination of these distribution methods
Shortly after you open your inherited IRA account, use our Inherited IRA Distribution Rules Calculator to determine how and when you'll need to distribute the funds. You only have to calculate this once, as the distribution requirements will not change for that specific inherited IRA account.
Did your results show RMDs?
If the calculator above indicated that you must take required minimum distributions (RMDs), you can use our Inherited IRA RMD Calculator to understand how much you need to take from your account each year.
