Minimum Required Distributions (MRD) Calculator

This retirement 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.

Current Age of Beneficiary (or oldest beneficiary if more than one): Is the beneficiary the spouse of the IRA holder? Yes No IRA Balance: IRA Annual Yield:

Age	Divisor	Balance	Withdrawal
50	34.2	100,000.00	2,923.98
51	33.2	102,900.58	3,099.42
52	32.2	105,789.24	3,285.38
53	31.2	108,654.09	3,482.50
54	30.2	111,481.88	3,691.45
55	29.2	114,257.86	3,912.94
56	28.2	116,965.61	4,147.72
57	27.2	119,586.97	4,396.58
58	26.2	122,101.81	4,660.37
59	25.2	124,487.92	4,940.00
60	24.2	126,720.80	5,236.40
61	23.2	128,773.47	5,550.58
62	22.2	130,616.26	5,883.62
63	21.2	132,216.61	6,236.63
64	20.2	133,538.77	6,610.83
65	19.2	134,543.62	7,007.48
66	18.2	135,188.31	7,427.93
67	17.2	135,426.00	7,873.60
68	16.2	135,205.54	8,346.02
69	15.2	134,471.09	8,846.78
70	14.2	133,161.77	9,377.59
71	13.2	131,211.23	9,940.24
72	12.2	128,547.24	10,536.66
73	11.2	125,091.22	11,168.86
74	10.2	120,757.70	11,838.99
75	9.2	115,453.83	12,549.33
76	8.2	109,078.77	13,302.29
77	7.2	101,523.07	14,100.43
78	6.2	92,668.00	14,946.45
79	5.2	82,384.85	15,843.24
80	4.2	70,534.10	16,793.83
81	3.2	56,964.68	17,801.46
82	2.2	41,513.01	18,869.55
83	1.2	24,002.07	20,001.72
84	0.2	4,240.37	21,201.83