Inherited IRA RMD / MRD: Required Minimum Distribution (aka Minimum Required Distribution) Calculator

This calculator determines the minimum required distribution (known as both RMD or MRD, which is really confusing!) from an inherited IRA based on the IRS single life expectancy table. Note that the minimum is different for spouses and non-spouse beneficiaries. Also note that inherited Roth IRA withdrawals are not subject to any tax if the Roth IRA was previously held for five years. Please also remember that even though you withdraw money out of the IRA you do not have to spend it all, and you can invest it in a deferred annuity if you so desire, but pick a good one!

Have fun!


Current Age of Beneficiary
(or oldest beneficiary if more than one):
Is the beneficiary the spouse of the IRA holder?
IRA Balance:
IRA Annual Yield:
 


AgeDivisorBalanceWithdrawal
5034.2150000 4385.96
5133.2152894 4605.26
5232.2155703 4835.53
5331.2158411 5077.30
5430.2161001 5331.17
5529.2163453 5597.73
5628.2165748 5877.61
5727.2167864 6171.49
5826.2169777 6480.07
5925.2171462 6804.07
6024.2172891 7144.27
6123.2174034 7501.49
6222.2174859 7876.56
6321.2175332 8270.39
6420.2175414 8683.91
6519.2175067 9118.11
6618.2174247 9574.01
6717.2172906 10052.71
6816.2170996 10555.35
6915.2168463 11083.11
7014.2165249 11637.27
7113.2161292 12219.13
7212.2156527 12830.09
7311.2150881 13471.60
7410.2144280 14145.18
75 9.2136642 14852.43
76 8.2127879 15595.06
77 7.2117898 16374.81
78 6.2106600 17193.55
79 5.2 93876 18053.23
80 4.2 79614 18955.89
81 3.2 63691 19903.68
82 2.2 45977 20898.87
83 1.2 26332 21943.81
84 0.2 4608 23041.00


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