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Retirement · Withdrawals & RMDs

Inherited IRA RMD Calculator

Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table.

  • Free to use here · embed on the Business plan
  • 3 inputs · 3 results
  • English & Spanish

Try the Inherited IRA RMD Calculator

See your inherited-IRA RMD — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Inherited IRA RMD calculator works out

The Inherited IRA RMD Calculator is a free, embeddable calculator from CalcFunnel. Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table.

You enter 3 inputs: prior year-end balance, beneficiary type and beneficiary age this year.

It returns required minimum distribution, life expectancy factor and prior year-end balance.

Built for financial advisors and planners. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category.

Results it shows

  1. 01Required Minimum Distribution
  2. 02Life Expectancy Factor
  3. 03Prior Year-End Balance

The first figure — required minimum distribution — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Prior Year-End Balance
The inherited IRA balance on December 31 of last year.
Beneficiary Type
A sole spouse beneficiary looks up a new factor every year. Other eligible beneficiaries use their first-year factor and subtract 1.0 for each later year.Options: Spouse (recalculated) · Non-Spouse (fixed term)
Beneficiary Age This Year
The beneficiary's age at the end of the distribution year.
Years Since First RMD YearWhen Beneficiary Type is Non-Spouse (fixed term)
How many years ago your first required distribution year was (0 = this is the first year). The factor is your first-year factor minus 1.0 per year since.

For your website

Embed this calculator on your website

Put the Inherited IRA RMD Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Inherited IRA RMD calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Inherited IRA RMD Calculator calculate?
Estimate the required minimum distribution from an inherited IRA using the IRS Single Life Expectancy Table. It returns required minimum distribution, life expectancy factor and prior year-end balance.
Q.02What information do I need to use the Inherited IRA RMD Calculator?
You enter 3 inputs: prior year-end balance, beneficiary type and beneficiary age this year. Depending on your choices it may also ask for years since first RMD year. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Prior Year-End Balance” mean in the Inherited IRA RMD Calculator?
The inherited IRA balance on December 31 of last year.
Q.04What does “Beneficiary Type” mean in the Inherited IRA RMD Calculator?
A sole spouse beneficiary looks up a new factor every year. Other eligible beneficiaries use their first-year factor and subtract 1.0 for each later year.
Q.05Is the Inherited IRA RMD Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Retirement category. Compare plans.
Q.06Can I embed the Inherited IRA RMD Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Inherited IRA RMD Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Inherited IRA RMD results financial advice?
No. Estimates only, using the IRS Single Life Expectancy Table (Pub. 590-B, post-2021). A sole spouse beneficiary re-enters the table each year; a non-spouse beneficiary fixes the first-year factor and subtracts 1.0 each later year. Beneficiaries subject to the SECURE Act 10-year rule may differ. Confirm with a tax advisor.

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