Minimum IRA Distribution (Inherited IRA)

Minimum IRA Distribution (Inherited IRA)

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This calculator determines the minimum required distributions 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.

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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 :

Age	Divisor	Balance	Withdrawal
50	34.2	100000	2923.98
51	33.2	102900	3099.42
52	32.2	105789	3285.38
53	31.2	108654	3482.50
54	30.2	111481	3691.45
55	29.2	114257	3912.94
56	28.2	116965	4147.72
57	27.2	119586	4396.58
58	26.2	122101	4660.37
59	25.2	124487	4940.00
60	24.2	126720	5236.40
61	23.2	128773	5550.58
62	22.2	130616	5883.62
63	21.2	132216	6236.63
64	20.2	133538	6610.83
65	19.2	134543	7007.48
66	18.2	135188	7427.93
67	17.2	135425	7873.60
68	16.2	135205	8346.02
69	15.2	134471	8846.78
70	14.2	133161	9377.59
71	13.2	131211	9940.24
72	12.2	128547	10536.66
73	11.2	125091	11168.86
74	10.2	120757	11838.99
75	9.2	115453	12549.33
76	8.2	109078	13302.29
77	7.2	101523	14100.43
78	6.2	92668	14946.45
79	5.2	82384	15843.24
80	4.2	70534	16793.83
81	3.2	56964	17801.46
82	2.2	41513	18869.55
83	1.2	24002	20001.72
84	0.2	4240	21201.83

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