YTS Wealth Management

Retirement Planning Tools

Name: YTS Wealth Management
Address: 4000 Triangle Lane, Export, PA, 15632, US
Telephone: 724-733-4334

Required Minimum Distribution

Calculator

Estimate lifetime RMDs for your own retirement accounts, or work through how the SECURE Act's 10-year rule applies to an inherited IRA or retirement plan — and how that compares to the lifetime "stretch" option available to certain beneficiaries.

Required minimum distributions changed significantly under the SECURE Act (2019) and SECURE 2.0 (2022). Account owners now begin RMDs later — age 73 or 75, depending on birth year — and most non-spouse beneficiaries who inherit an account must empty it within 10 years rather than stretching withdrawals over their own lifetime. Whether annual withdrawals are required during that 10-year window, or only a full distribution by the end of it, depends on two things: who you are to the original owner, and whether that owner had already reached their RMD age at death. This tool walks through both calculations.

Retirement Income Planning

Estimate Your Annual RMD

Lifetime RMD Estimate

Based on the IRS Uniform Lifetime Table and SECURE 2.0's age schedule.

Birth year

Account balance (prior Dec 31)

Assumed annual growth
Used only to project future balances — actual returns will vary.

Projected RMDs, next 10 years

Assumes the account grows at your assumed rate net of the prior year's withdrawal.

Table applies to owners whose spouse is not the sole beneficiary more than 10 years younger. If that applies to you, the IRS Joint Life and Last Survivor Table produces a longer divisor (smaller RMD) — ask your advisor to confirm which table fits your situation.

1. Who inherited the account, and from whom?

This determines whether the 10-year rule is mandatory or whether a lifetime "stretch" is available.

Beneficiary's relationship to the original owner

Spouse

Minor child of owner

Disabled / chronically ill

Not >10 yrs younger than owner

Adult child / other individual

Estate / non-qualifying trust

2. Had the original owner started their own RMDs?

I.e., did they die on or after their Required Beginning Date (April 1 following the year they turned 73, or 75 if born 1960 or later)?

Died before RBD

Died on/after RBD

Not sure — let me enter birth/death years

Original owner's birth year

Year of death

3. Beneficiary and account details

Beneficiary's age (year after death)

Year of death

Account balance at death

Assumed annual growth

Every inherited-account situation has nuances — trust language, multiple beneficiaries, and state rules can all change the analysis. Talk it through with a YTS advisor.
Talk to a YTS Advisor

Important: This calculator is for general education only and does not constitute tax, legal, or financial advice. It reflects IRS final regulations on the SECURE Act 10-year rule (effective for distribution years beginning in 2025) and current Uniform Lifetime and Single Life Expectancy Tables, but it does not account for trust-specific provisions, multiple beneficiaries, Roth accounts, plan-specific restrictions, state law, or subsequent changes in the Internal Revenue Code or IRS guidance. Growth assumptions are illustrative and not a projection or guarantee of actual account performance. Please consult a qualified tax advisor or estate attorney, and a YTS advisor, before making distribution decisions.