About this calculator

Inherited retirement accounts come with deadlines at a difficult time. We built this free calculator to make the next step clearer: which rule applies, whether a withdrawal is required this year, and when it is due.

Inherited RMD Calculator is operated by Lead Partner AS, a company registered in Norway. There are no ads or affiliate links.

Built from IRS sources

The calculator uses IRS Publication 590-B, the 2024 final regulations, and IRS relief notices. Its life-expectancy tables were last checked on 13 November 2026.

• IRS Publication 590-B (2025)
• 2024 final regulations, T.D. 10001
• IRS Notice 2022-53
• IRS Notice 2023-54
• IRS Notice 2024-35
• IRS Retirement topics — Beneficiary
• IRS RMD FAQs
• Open-source retirement tables

Know its limits

We cover individual beneficiaries for deaths in 2020 and later. Trusts, estates and personal disability or chronic-illness determinations need specialist advice. Workplace plans may impose stricter rules. Confirm the result with your account custodian before acting.

Contact us about a correction.