Inherited IRA RMD calculator

Year the owner died

Owner’s birth year

Had the owner started RMDs?

Who inherited it

Your birth year

Balance on December 31, 2025 ($)

Distribution year

Expected return (%)

Rule that applies10-year ruleSECURE Act, final 2024 rules

Required in 2026$12,531.33Balance ÷ 39.9

Account must be empty byDec 31, 203310 years after the death

Yearly RMDsRequiredFrom 2024

Because the owner had started RMDs, you take a yearly RMD in years one to nine and empty the account by December 31, 2033. Your 2026 RMD is $12,531.33.

Free Inherited IRA RMD calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.