Inherited IRA Distributions Calculator

With the passage of the SECURE Act on December 20, 2019, a designated beneficiary of an IRA can no longer "stretch" the proceeds over his/her life expectancy. Rather, for IRA owner deaths that occur after December 31, 2019, a designated beneficiary must deplete the account within 10 years unless the person is an eligible designated beneficiary. Use this calculator to provide a hypothetical projection of the required minimum distributions for you and your beneficiary. Keep in mind that distributions will be subject to any applicable federal and state income taxes.
Owner Information
Year of RMD 
MonthDayYear
What is the account owner's date of birth?
What is the account owner's date of death
Assumptions
What was the prior year end balance of the inherited account? ($) 
What is the anticipated rate of return? (%)help
What type of account/plan was inherited? 
Beneficiary type 
MonthDayYear
What is your designated beneficiary's date of birth?
   
No bank guarantee • Not a deposit • Not FDIC/NCUA insured
May lose value • Not insured by any federal government agency

Pacific Life, its affiliates, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Pacific Life refers to Pacific Life Insurance Company (Newport Beach, CA) and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Securities Distributed by Pacific Select Distributors, LLC (member FINRA & SIPC).

The results and explanations generated by this calculator may vary due to user input and assumptions. Pacific Life does not guarantee the accuracy of the calculations, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and ultimately seek the guidance of an experienced professional. CalcXML, the provider of this information and interactive calculator, is not affiliated with Pacific Life.

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