Your current required minimum distribution is $27,027.03. Your projected RMDs as a beneficiary of a retirement plan have been calculated based on the input you provided and are illustrated in the chart and table below. If the account owner had an RMD due for the year of death that was not yet taken, the beneficiary is responsible for withdrawing that remaining amount. If annual RMDs are required for the inherited IRA, each year’s RMD must be withdrawn by December 31 for all subsequent years. Please note that for the year of the account owner's death, the RMD due is the amount the account owner was required to withdraw and did not withdraw before death, if any.<table class='pure-table' role='grid'><tr></tr><tr><td>Account owner date of birth</td><td>8/21/1958</td></tr><tr><td>Account owner date of death</td><td>1/1/2020</td></tr><tr><td>Account owner's age as of 12/31 of year of death</td><td>62</td></tr><tr><td>Year of RMD</td><td>2038</td></tr><tr><td>RMD amount</td><td>$27,027.03</td></tr><tr><td>Is the designated beneficiary an eligible designated beneficiary?</td><td>Yes</td></tr><tr><td>Designated beneficiary's date of birth</td><td>6/14/1963</td></tr><tr><td>Designated beneficiary's age as of 12/31 of year of account owner's death</td><td>57</td></tr><tr><td>Designated beneficiary's age as of 12/31 of year of RMD</td><td>75</td></tr><tr><td>The year end balance of the inherited account last year</td><td>$400,000.00</td></tr><tr><td>Anticipated rate of return</td><td>5.00%</td></tr><tr><td>Table used</td><td>Uniform Lifetime</td></tr><tr><td>Beneficiary type</td><td>Surviving spouse</td></tr><tr><td>Plan type</td><td>Traditional IRA</td></tr><tr><td>Spousal Rollover or Keep as Inherited IRA?</td><td>Keep as Inherited IRA</td></tr></table> <div id="chart1Container">Chart will load here</div> <script type="text/javascript"> <!-- var myChart1 = new FusionCharts( "MSColumn2D", "myChart1Id", "100%", "100%", "0", "1" ); myChart1.setXMLData("<chart showValues='0' showFCMenuItem='0' decimals='0' formatNumberScale='0' caption='Required Minimum Distributions (RMDs)' xAxisName='' numberPrefix='$' bgColor='FFFFFF' showBorder='1' borderColor='FFFFFF' borderThickness='1' canvasBgColor='ffffff' showAlternateHGridColor='0' plotGradientColor='' numberSuffix='' thousandSeparator=',' decimalSeparator='.'><categories><category label='2038' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2043' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2048' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2053' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2058' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2063' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2068' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2073' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2078' /><category label='' /><category label='' /><category label='' /><category label='' /><category label='2083' /></categories><dataset seriesName='Required Minimum Distribution'><set value='27027.0' /><set value='27870.0' /><set 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/><set value='0.0' /><set value='0.0' /></dataset></chart>"); // --> </script> <table class='pure-table pure-table-bordered' role='grid'><tr><th scope="col">End of Year</th><th scope="col">Owner / Beneficiary Age</th><th scope="col">Balance (Begin Year)</th><th scope="col">Projected Growth</th><th scope="col">Distribution Divisor</th><th scope="col">(Required) Distribution</th><th scope="col">Balance (Year End)</th></tr><tr><td role="rowheader" scope="row">2038</td><td>75</td><td>$400,000.00</td><td>$20,000.00</td><td>14.8</td><td>$27,027.03</td><td>$392,972.97</td></tr><tr><td role="rowheader" scope="row">2039</td><td>76</td><td>392,972.97</td><td>19,648.65</td><td>14.1</td><td>27,870.42</td><td>384,751.20</td></tr><tr><td role="rowheader" scope="row">2040</td><td>77</td><td>384,751.20</td><td>19,237.56</td><td>13.3</td><td>28,928.66</td><td>375,060.10</td></tr><tr><td role="rowheader" scope="row">2041</td><td>78</td><td>375,060.10</td><td>18,753.00</td><td>12.6</td><td>29,766.67</td><td>364,046.43</td></tr><tr><td role="rowheader" scope="row">2042</td><td>79</td><td>364,046.43</td><td>18,202.32</td><td>11.9</td><td>30,592.14</td><td>351,656.61</td></tr><tr><td role="rowheader" scope="row">2043</td><td>80</td><td>351,656.61</td><td>17,582.83</td><td>11.2</td><td>31,397.91</td><td>337,841.53</td></tr><tr><td role="rowheader" scope="row">2044</td><td>81</td><td>337,841.53</td><td>16,892.08</td><td>10.5</td><td>32,175.38</td><td>322,558.22</td></tr><tr><td role="rowheader" scope="row">2045</td><td>82</td><td>322,558.22</td><td>16,127.91</td><td>9.9</td><td>32,581.64</td><td>306,104.50</td></tr><tr><td role="rowheader" scope="row">2046</td><td>83</td><td>306,104.50</td><td>15,305.22</td><td>9.3</td><td>32,914.46</td><td>288,495.26</td></tr><tr><td role="rowheader" scope="row">2047</td><td>84</td><td>288,495.26</td><td>14,424.76</td><td>8.7</td><td>33,160.37</td><td>269,759.65</td></tr><tr><td role="rowheader" scope="row">2048</td><td>85</td><td>269,759.65</td><td>13,487.98</td><td>8.1</td><td>33,303.66</td><td>249,943.97</td></tr><tr><td role="rowheader" scope="row">2049</td><td>86</td><td>249,943.97</td><td>12,497.20</td><td>7.6</td><td>32,887.36</td><td>229,553.80</td></tr><tr><td role="rowheader" scope="row">2050</td><td>87</td><td>229,553.80</td><td>11,477.69</td><td>7.1</td><td>32,331.52</td><td>208,699.97</td></tr><tr><td role="rowheader" scope="row">2051</td><td>88</td><td>208,699.97</td><td>10,435.00</td><td>6.6</td><td>31,621.21</td><td>187,513.76</td></tr><tr><td role="rowheader" scope="row">2052</td><td>89</td><td>187,513.76</td><td>9,375.69</td><td>6.1</td><td>30,739.96</td><td>166,149.49</td></tr><tr><td role="rowheader" scope="row">2053</td><td>90</td><td>166,149.49</td><td>8,307.47</td><td>5.7</td><td>29,149.03</td><td>145,307.93</td></tr><tr><td role="rowheader" scope="row">2054</td><td>91</td><td>145,307.93</td><td>7,265.40</td><td>5.3</td><td>27,416.59</td><td>125,156.74</td></tr><tr><td role="rowheader" scope="row">2055</td><td>92</td><td>125,156.74</td><td>6,257.84</td><td>4.9</td><td>25,542.19</td><td>105,872.38</td></tr><tr><td role="rowheader" scope="row">2056</td><td>93</td><td>105,872.38</td><td>5,293.62</td><td>4.6</td><td>23,015.74</td><td>88,150.27</td></tr><tr><td role="rowheader" scope="row">2057</td><td>94</td><td>88,150.27</td><td>4,407.51</td><td>4.3</td><td>20,500.06</td><td>72,057.72</td></tr><tr><td role="rowheader" scope="row">2058</td><td>95</td><td>72,057.72</td><td>3,602.89</td><td>4.0</td><td>18,014.43</td><td>57,646.17</td></tr><tr><td role="rowheader" scope="row">2059</td><td>96</td><td>57,646.17</td><td>2,882.31</td><td>3.7</td><td>15,580.05</td><td>44,948.44</td></tr><tr><td role="rowheader" scope="row">2060</td><td>97</td><td>44,948.44</td><td>2,247.42</td><td>3.4</td><td>13,220.13</td><td>33,975.73</td></tr><tr><td role="rowheader" scope="row">2061</td><td>98</td><td>33,975.73</td><td>1,698.79</td><td>3.2</td><td>10,617.42</td><td>25,057.10</td></tr><tr><td role="rowheader" scope="row">2062</td><td>99</td><td>25,057.10</td><td>1,252.86</td><td>3.0</td><td>8,352.37</td><td>17,957.59</td></tr><tr><td role="rowheader" scope="row">2063</td><td>100</td><td>17,957.59</td><td>897.88</td><td>2.8</td><td>6,413.42</td><td>12,442.04</td></tr><tr><td role="rowheader" scope="row">2064</td><td>101</td><td>12,442.04</td><td>622.10</td><td>2.6</td><td>4,785.40</td><td>8,278.74</td></tr><tr><td role="rowheader" scope="row">2065</td><td>102</td><td>8,278.74</td><td>413.94</td><td>2.5</td><td>3,311.50</td><td>5,381.18</td></tr><tr><td role="rowheader" scope="row">2066</td><td>103</td><td>5,381.18</td><td>269.06</td><td>2.3</td><td>2,339.65</td><td>3,310.60</td></tr><tr><td role="rowheader" scope="row">2067</td><td>104</td><td>3,310.60</td><td>165.53</td><td>2.2</td><td>1,504.82</td><td>1,971.31</td></tr><tr><td role="rowheader" scope="row">2068</td><td>105</td><td>1,971.31</td><td>98.57</td><td>2.1</td><td>938.72</td><td>1,131.16</td></tr><tr><td role="rowheader" scope="row">2069</td><td>106</td><td>1,131.16</td><td>56.56</td><td>2.1</td><td>538.65</td><td>649.07</td></tr><tr><td role="rowheader" scope="row">2070</td><td>107</td><td>649.07</td><td>32.45</td><td>2.1</td><td>309.08</td><td>372.44</td></tr><tr><td role="rowheader" scope="row">2071</td><td>108</td><td>372.44</td><td>18.62</td><td>2.0</td><td>186.22</td><td>204.84</td></tr><tr><td role="rowheader" scope="row">2072</td><td>109</td><td>204.84</td><td>10.24</td><td>2.0</td><td>102.42</td><td>112.66</td></tr><tr><td role="rowheader" scope="row">2073</td><td>110</td><td>112.66</td><td>5.63</td><td>2.0</td><td>56.33</td><td>61.96</td></tr><tr><td role="rowheader" scope="row">2074</td><td>111</td><td>61.96</td><td>3.10</td><td>2.0</td><td>30.98</td><td>34.08</td></tr><tr><td role="rowheader" scope="row">2075</td><td>112</td><td>34.08</td><td>1.70</td><td>2.0</td><td>17.04</td><td>18.74</td></tr><tr><td role="rowheader" scope="row">2076</td><td>113</td><td>18.74</td><td>0.94</td><td>1.9</td><td>9.87</td><td>9.82</td></tr><tr><td role="rowheader" scope="row">2077</td><td>114</td><td>9.82</td><td>0.49</td><td>1.9</td><td>5.17</td><td>5.14</td></tr><tr><td role="rowheader" scope="row">2078</td><td>115</td><td>5.14</td><td>0.26</td><td>1.8</td><td>2.86</td><td>2.54</td></tr><tr><td role="rowheader" scope="row">2079</td><td>116</td><td>2.54</td><td>0.13</td><td>1.8</td><td>1.41</td><td>1.26</td></tr><tr><td role="rowheader" scope="row">2080</td><td>117</td><td>1.26</td><td>0.06</td><td>1.6</td><td>0.79</td><td>0.53</td></tr><tr><td role="rowheader" scope="row">2081</td><td>118</td><td>0.53</td><td>0.03</td><td>1.4</td><td>0.38</td><td>0.18</td></tr><tr><td role="rowheader" scope="row">2082</td><td>119</td><td>0.18</td><td>0.01</td><td>1.1</td><td>0.16</td><td>0.03</td></tr><tr><td role="rowheader" scope="row">2083</td><td>120</td><td>0.03</td><td>0.00</td><td>1.0</td><td>0.03</td><td>0.00</td></tr></table>