Recent Calculations
The IRS Code provides special rules that apply when original account owner's beneficiary is his/her spouse. The surviving spouse has the option to treat the inherited account as his/her own or keep it as a spouse beneficiary IRA which has slightly different distribution requirements. The difference allows the spouse to start distributions when the original spouse would have been required to begin RMDs. If the surviving spouse is older than the account owner, this can delay when distributions must begin. Use this calculator to create a hypothetical projection of your future Required Minimum Distributions (RMD) as a spouse beneficiary.
**2024_RMD_CALCULATION_NOTE**
Life expectancy is determined using the Single Life Expectancy table for original account owners born before 1951 and the Uniform Life Expectancy table for original account owners born in 1951 or after. The age used to lookup life expectancy from the tables is the spouse beneficiary's age on December 31st. The first year RMD for a spouse beneficiary is the year following the owner's death unless the original account owner died before RMDs were required. In this case the first RMD for the spouse beneficiary is the year that the original account owner would have attained the age for RMDs to begin. In all future years, once RMDs have begun, the remaining life expectancy is 'recalculated' each year based on the spouse beneficiary's age as of December 31st of that calendar year.
Another option a spouse beneficiary can elect is to take an inherited account and treat it as his or her own. In this case, no distributions are required until the year in which the spouse reaches age 75 (or 70 1/2 if born before 7/1/1949, 72 if 7/1/1949 to 12/31/1951, 73 if born 1/1/1951 to 1/1/1960). This calculator will always assume that a spouse does not wish to treat an inherited IRA as their own.
The year to calculate the Required Minimum Distribution (RMD). This is typically the current year. Change the year to calculate a previous year's RMD.
Please enter the account beneficiary's name.
Please enter the account beneficiary's birthdate.
Please enter the name of the account for this analysis.
This is the expected rate of return on your account. This is only used to help project your future account balances (which of course will impact your required minimum distribution). La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
Mutual fund accounts use the previous year-end value. Variable annuity contracts use the actuarial year-end contract value, which may include living and death benefits, when determining the RMD amount. For variable annuity contracts, contact the issuing company for this information.
Please enter the date of the original account owner's death.
Please enter the plan type. The plan type can affect distributions if the account owner is younger than the beneficiary and RMDs have already begun.
Please enter the original account owner's birthdate.