Inherited IRA 10-Year Rule Calculator: Your Complete 2026 Distribution Schedule

If you inherited an IRA after 2019, the SECURE Act 2.0 (P.L. 117-328) likely requires you to empty it within 10 years — and depending on when the original owner died, you may owe annual Required Minimum Distributions (RMDs) in years 1–9 too.

The rules are genuinely confusing. Many beneficiaries discovered (after IRS Notice 2024-35 extended relief through 2025) that they owe back RMDs they never took. Getting this wrong triggers a 25% excise tax on the shortfall.

Who Faces the 10-Year Rule?

Non-Eligible Designated Beneficiaries (non-EDBs) — typically adult children, siblings, and friends — must fully deplete the inherited IRA by December 31 of the 10th year after the owner's death.

Eligible Designated Beneficiaries (EDBs) who are exempt:

  • Surviving spouses
  • Minor children of the deceased (until they reach age 21, then 10-year rule kicks in)
  • Disabled or chronically ill individuals
  • Beneficiaries not more than 10 years younger than the owner

Annual RMDs Within the 10 Years: The RBD Trap

If the original owner died after their Required Beginning Date (RBD — age 73 in 2026), you must take RMDs in years 1–9 using IRS Single Life Expectancy Table I based on your age. Year 10 requires full depletion of whatever remains.

If the owner died before RBD, you can skip annual RMDs and take everything in year 10 — giving you maximum tax flexibility.

Use the Calculator

Our Inherited IRA 10-Year Rule Calculator generates your personalised 10-year distribution schedule:

1. Enter your inherited balance and year of death 2. Select beneficiary type (non-EDB, EDB spouse, EDB minor child) 3. Enter your current age and assumed growth rate 4. Get a year-by-year table: opening balance → growth → RMD → tax → after-tax amount → closing balance

Sources: IRS.gov, IRS Notice 2024-35, SECURE 2.0 Act P.L. 117-328, IRS Publication 590-B (2025).

Free, private — all calculations run in your browser. No data is sent anywhere.

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-06-inherited-ira-10-year-rule-calculator

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