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What will my heirs have to withdraw from an inherited IRA?
The SECURE Act replaced the lifetime stretch with a ten-year window for most non-spouse beneficiaries. Model what an inherited account requires of the person who inherits it.
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This calculator is provided for illustration only. Results are estimates based on the assumptions you enter and are not a projection, a guarantee, or tax advice. Consult a qualified tax professional about your own situation.
Beneficiary RMD
What people ask about this
For most non-spouse beneficiaries of owners who died in 2020 or later, the SECURE Act replaced lifetime stretch distributions with a requirement to empty the account within ten years. That compresses the tax into a decade, often landing in the beneficiary’s highest-earning years.
Next step
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