Check an owner’s RMD, find an inherited IRA’s rules, and compare distribution scenarios.
Independent educational toolCalculations stay in this browserIRS tables effective 2022 onward
Owner RMD calculator
For a living original owner. Uses your age at year-end and the previous December 31 balance.
Your calculation
Enter your details to see the amount, IRS factor, formula, and deadline.
Inherited IRA regime finder
Find the distribution rule and deadline for an inherited IRA. Year-by-year dollar illustrations are in Premium.
Your distribution rules
Complete the questionnaire to see the applicable regime and deadlines.
Premium planning tools
Inherited schedules, account aggregation, what-if calculations, and a printable one-page summary.
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Multi-account aggregation
Owner accounts use the current Owner tab’s birth date, beneficiary, and employment answers. Set those answers for each account before adding it. Inherited accounts use the current Inherited IRA questionnaire and any verified predecessor factor above.
Inherited IRA dollar schedule
Uses the current Inherited IRA questionnaire. Projections start this year or later, using a fresh prior-year balance. Spouse elections and uncertain successor schedules require professional review.
Uses the current Owner tab’s Traditional IRA inputs. Assumes zero investment growth, fully pretax assets, and conversion tax paid from outside the IRA. It compares this year’s conversion cost and next year’s RMD, not lifetime tax savings.
Qualified charitable distribution (QCD)
Uses the current Owner tab’s Traditional IRA. You must be 70½ on the transfer date, and the custodian must transfer funds directly to an eligible charity. Assumes no other withdrawals from this modeled account.
One-page report
Choose a completed calculation. Print or use your browser’s “Save as PDF.” Long schedules are summarized with the first and final years.