Tax

RMD Tax Cost Estimator Calculator

Estimate the lifetime federal income tax cost of RMDs to you, plus the 10-year tax cost to your heir under the inherited-IRA rules.

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How to use

Enter your current age, pre-tax IRA balance, and growth assumption.
Set your own effective tax rate and the effective rate you expect your heir to pay.
Choose how long you plan to take RMDs.
Compare lifetime tax (yours) vs. the inherited-IRA 10-year tax (theirs).

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Flat effective tax rates — no bracket modeling, no NIIT, no IRMAA, no state tax.
Heir takes equal annual distributions over 10 years (simplification of the SECURE Act 10-year rule).
All dollar values are nominal; not discounted to today.