Retirement & Planning

RMD & Stretch IRA Calculator

Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.

Inputs

Inherited IRA balance

Beneficiary age

Expected return

Estimates only. Adjust any value to recalculate instantly.

Results

First-year stretch RMD $11,050 over a 36.2-year life expectancy

Inherited balance $400,000

Life expectancy factor 36.2

First-year RMD (stretch) $11,050

10-year-rule average $40,000 if stretch unavailable

Stretch vs 10-year withdrawals

Stretch (1st year) $11k
10-year average $40k

Inherited IRA balance Balance (stretch)

The SECURE Act ended the lifetime stretch for most non-spouse beneficiaries, who now must empty an inherited IRA within 10 years — far faster, and often at higher tax cost. Spouses and certain eligible beneficiaries can still stretch. Confirm your category.

Stretch withdrawals by ageView table

Age	Life-expectancy factor	RMD	Year-end balance
50	36.2	$11,050	$412,287
51	35.3	$11,686	$424,637
52	34.4	$12,358	$437,015
53	33.4	$13,069	$449,384
54	32.5	$13,819	$461,699
55	31.6	$14,611	$473,913
56	30.7	$15,437	$485,985
57	29.8	$16,308	$497,857
58	28.9	$17,227	$509,468
59	28.0	$18,195	$520,749
60	27.1	$19,216	$531,626
61	26.3	$20,245	$542,064
62	25.4	$21,324	$551,984
63	24.6	$22,457	$561,299
64	23.7	$23,644	$569,915
65	22.9	$24,887	$577,729
66	22.1	$26,165	$584,658
67	21.3	$27,500	$590,587
68	20.4	$28,894	$595,395
69	19.6	$30,346	$598,951
70	18.8	$31,859	$601,118
71	18.0	$33,395	$601,786
72	17.2	$34,988	$600,806
73	16.4	$36,635	$598,022
74	15.6	$38,335	$593,268
75	14.8	$40,086	$586,374
76	14.1	$41,646	$577,411
77	13.4	$43,219	$566,243
78	12.6	$44,798	$552,732
79	11.9	$46,370	$536,744

How the rmd & stretch ira calculator works

It computes the first-year required withdrawal under the lifetime “stretch” approach using the Single Life Table, and compares it to the average annual withdrawal under today’s 10-year rule.

Worked example

Worked example: with inherited ira balance of $400,000, beneficiary age of 50 and expected return of 6.00%, the rmd stretch ira calculator shows first-year stretch rmd of $11,050.

Inherited balance: $400,000
Life expectancy factor: 36.2
First-year RMD (stretch): $11,050
10-year-rule average: $40,000

The formula

Stretch RMD = inherited balance ÷ Single Life Table factor. Ten-year-rule average = balance ÷ 10.

Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.

Frequently asked

Questions about the rmd & stretch ira calculator

What was the stretch IRA strategy?

It let a beneficiary spread inherited-IRA withdrawals over their own life expectancy, minimizing taxes and maximizing tax-deferred growth across decades.

Is the stretch IRA still available?

Largely not. The SECURE Act replaced it with a 10-year payout rule for most non-spouse beneficiaries, forcing faster withdrawals and often higher taxes.

Who can still stretch?

Eligible designated beneficiaries — surviving spouses, minor children of the owner, disabled or chronically ill individuals, and those not more than 10 years younger than the owner.

Is the RMD & Stretch IRA Calculator free to use?

Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.

Related calculators

401(k) Calculator A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. 401(k) Contribution Effects on Your Paycheck Calculator Use this calculator to see how increasing your contributions to a 401(k) plan can affect your paycheck as well as your retirement. 401(k) Savings with Profit Sharing Use this calculator to show how a 401(k) with profit sharing plan can help you save for retirement.. 401(k) Spend It or Save It Calculator There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings. 403(b) Savings Calculator If you are an employee of a non-profit tax-exempt organization, a 403(b) can be one of your best tools for creating a secure retirement. 457 Plan Contribution Effects on Your Paycheck Calculator Use this calculator to see how increasing your contributions to a 457 plan can affect your paycheck as well as your retirement.