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 elsewhere if you choose.
Age | Divisor | Balance | Withdrawal |
50 | 34.2 | 150000 | 4385.96 |
51 | 33.2 | 152894 | 4605.26 |
52 | 32.2 | 155703 | 4835.53 |
53 | 31.2 | 158411 | 5077.30 |
54 | 30.2 | 161001 | 5331.17 |
55 | 29.2 | 163453 | 5597.73 |
56 | 28.2 | 165748 | 5877.61 |
57 | 27.2 | 167864 | 6171.49 |
58 | 26.2 | 169777 | 6480.07 |
59 | 25.2 | 171462 | 6804.07 |
60 | 24.2 | 172891 | 7144.27 |
61 | 23.2 | 174034 | 7501.49 |
62 | 22.2 | 174859 | 7876.56 |
63 | 21.2 | 175332 | 8270.39 |
64 | 20.2 | 175414 | 8683.91 |
65 | 19.2 | 175067 | 9118.11 |
66 | 18.2 | 174247 | 9574.01 |
67 | 17.2 | 172906 | 10052.71 |
68 | 16.2 | 170996 | 10555.35 |
69 | 15.2 | 168463 | 11083.11 |
70 | 14.2 | 165249 | 11637.27 |
71 | 13.2 | 161292 | 12219.13 |
72 | 12.2 | 156527 | 12830.09 |
73 | 11.2 | 150881 | 13471.60 |
74 | 10.2 | 144280 | 14145.18 |
75 | 9.2 | 136642 | 14852.43 |
76 | 8.2 | 127879 | 15595.06 |
77 | 7.2 | 117898 | 16374.81 |
78 | 6.2 | 106600 | 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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