Inherited IRA: 10-Year Distribution Planner
Optimize your inherited IRA distributions under the SECURE Act 10-year rule to minimize lifetime taxes.
Using 2026 IRS Data
SECURE 2.0 Compliant
Your Information
Total balance of the inherited traditional IRA account.
Your age as the beneficiary of the inherited IRA.
Salary, business income, etc. (excluding inherited IRA distributions).
Distribute enough each year to fill up to this bracket, then dump the rest in year 10.
Your Inherited IRA Distribution Plan
Potential Tax Savings
$0
Total Distributions
$0
Federal Tax
$0
State Tax
$0
Effective Tax Rate
0%
Strategy Comparison
| Strategy | Total Tax | Eff. Rate | Year 1 | Year 10 |
|---|
Annual Distribution Breakdown
Net proceeds vs. taxes paid each year
Remaining IRA Balance
How the inherited account declines over the 10-year window
Year-by-Year Distribution Schedule
| Year | Age | Start Balance | Distribution | Federal Tax | State Tax | Net Proceeds | End Balance |
|---|