Inherited RMD calculator

Enter your information to get an estimate

5 minute calculation

How to use this calculator

Calculating your required minimum distribution (RMD) for an inherited IRA depends on your personal situation, and can be complicated - but we're here to help! We'll tell you what you need to get started, then have you answer some questions to get your estimated inherited RMD amount.

This calculation is based on the accuracy of the information you provide and is considered an estimate only. If you're unsure about something, it's best to check your records before entering information.

Please note: this calculator does not apply when a spouse assumes an IRA (when you treat an IRA as your own once it is transferred to you); or for double-inherited IRAs (when you've inherited an IRA that was previously inherited by someone else) or inherited IRAs that passed through trust or estates (when a trust or estate was the designated beneficiary for the decedent).

5 minute calculation

Additional Guidance

Note: The information on this page shouldn't be used for tax-reporting purposes. Refer to your tax forms when filing tax returns.

Vanguard does not provide legal or tax advice. This information is general and educational in nature and should not be considered legal or tax advice. Any tax-related information discussed on this page is based on tax laws, regulations, or other guidance that are complex and subject to change. Additional tax rules not discussed here may be applicable to your situation. We recommend that you consult a qualified tax advisor or legal advisor about your individual situation. To discuss IRAs, call Vanguard at 877-662-7447, Monday through Friday from 8 a.m. to 8 p.m., Eastern time.

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