https://inherited-ira-rmd-calculator.pages.dev/blog/ Guides and explainers from Inherited IRA RMD Calculator en-us https://inherited-ira-rmd-calculator.pages.dev/blog/multiple-beneficiaries-inherited-ira-rmd https://inherited-ira-rmd-calculator.pages.dev/blog/multiple-beneficiaries-inherited-ira-rmd Split into separate inherited IRAs by December 31 of the year after death, or everyone inherits the oldest beneficiary's schedule. A $300,000 three-sibling worked example. Sun, 18 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/convert-inherited-ira-to-roth-ira-rules https://inherited-ira-rmd-calculator.pages.dev/blog/convert-inherited-ira-to-roth-ira-rules Can you convert an inherited IRA to a Roth IRA? Non-spouse beneficiaries cannot. Spouses can, after treating it as their own. The rule, the 401(k) exception, and the staggering strategy. Sat, 17 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/year-of-death-rmd-inherited-ira-who-takes-it https://inherited-ira-rmd-calculator.pages.dev/blog/year-of-death-rmd-inherited-ira-who-takes-it Who takes the year of death RMD on an inherited IRA? The beneficiary must take any remaining RMD by December 31 of the year of death, reported under their own Social Security number. Fri, 16 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/state-income-tax-inherited-ira-distributions https://inherited-ira-rmd-calculator.pages.dev/blog/state-income-tax-inherited-ira-distributions Do you pay state income tax on inherited IRA distributions? Usually yes, as ordinary income. The PA and NY exceptions and the 10-year rule interaction. Thu, 15 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/spouse-inherited-ira-options https://inherited-ira-rmd-calculator.pages.dev/blog/spouse-inherited-ira-options Spouse inherited IRA options: roll it into your own IRA, or keep it as an inherited IRA with no 10% penalty and no 10-year rule. Which fits depends on your age and whether you need the money. Wed, 14 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-5-year-rule-vs-10-year-rule https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-5-year-rule-vs-10-year-rule Inherited IRA 5-year rule vs 10-year rule: the SECURE Act replaced the 5-year rule with the 10-year rule for most beneficiaries, but the 5-year rule still applies to estates, charities, and pre-2020 deaths. The decision rules that tell you which clock you are on. Tue, 13 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-trust-beneficiary-rules https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-trust-beneficiary-rules Inherited IRA trust beneficiary rules: a trust must be "see-through" (four IRS tests) to get the 10-year rule. Conduit vs accumulation trusts, the October 31 deadline, and the pre-2020 trap. Mon, 12 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/qcd-from-inherited-ira https://inherited-ira-rmd-calculator.pages.dev/blog/qcd-from-inherited-ira Yes, if you are 70 and a half or older. Tax-free to charity, counts toward your RMD, and a worked example saving $2,200. Sun, 11 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-rules-minor-children https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-rules-minor-children A minor child who inherits an IRA gets the lifetime stretch until age 21, then the 10-year rule. The full timeline with a worked example. Sat, 10 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/successor-beneficiary-inherited-ira-10-year-rule https://inherited-ira-rmd-calculator.pages.dev/blog/successor-beneficiary-inherited-ira-10-year-rule What is a successor beneficiary of an inherited IRA? Someone who inherits an already-inherited IRA. The 10-year clock does not reset: it runs from the original owner's death, and annual RMDs continue. Fri, 09 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-10-year-deadline-penalty https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-10-year-deadline-penalty A 25% excise tax on whatever is left at year 10, cut to 10% if corrected within two years. The deadline, the annual-RMD wrinkle, and a $200,000 example. Thu, 08 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/disclaim-inherited-ira https://inherited-ira-rmd-calculator.pages.dev/blog/disclaim-inherited-ira The qualified disclaimer under IRC section 2518, where the money goes, and the two traps that kill it. Wed, 07 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/roll-inherited-ira-into-own-ira https://inherited-ira-rmd-calculator.pages.dev/blog/roll-inherited-ira-into-own-ira Only a surviving spouse can roll an inherited IRA into their own IRA. The rollover options, the 60-day rule, and the under-59-and-a-half tradeoff most spouses never hear about. Tue, 06 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/eligible-designated-beneficiary-inherited-ira https://inherited-ira-rmd-calculator.pages.dev/blog/eligible-designated-beneficiary-inherited-ira Who is an eligible designated beneficiary for an inherited IRA? The five categories, spouse, minor child, disabled, not more than 10 years younger, that keep lifetime stretch withdrawals, and what happens at 21. Mon, 05 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/missed-inherited-ira-rmd-penalty-5329 https://inherited-ira-rmd-calculator.pages.dev/blog/missed-inherited-ira-rmd-penalty-5329 The penalty for missing an inherited IRA RMD is a 25% excise tax on the shortfall, cut to 10% with a timely correction. Form 5329, reasonable cause, and the cases that waive it entirely. Sun, 04 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-roth-ira-10-year-rule https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-roth-ira-10-year-rule The 10-year rule applies to inherited Roth IRAs too, but with no annual RMDs and generally tax-free withdrawals. How the rule works, the 5-year wrinkle, and why waiting until year 10 is usually the move. Sat, 03 Oct 2026 12:00:00 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/annual-rmds-during-10-year-rule https://inherited-ira-rmd-calculator.pages.dev/blog/annual-rmds-during-10-year-rule Annual RMDs during the inherited IRA 10-year rule are required only if the owner died on or after their required beginning date. How to tell which rule applies to you, with examples. Thu, 01 Oct 2026 18:40:53 GMT https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-tax-strategy-bracket https://inherited-ira-rmd-calculator.pages.dev/blog/inherited-ira-tax-strategy-bracket Taking an inherited IRA as a year-10 lump sum can cost $55,000+ in extra taxes versus spreading withdrawals. Three distribution strategies with worked numbers, plus the IRMAA trap. Thu, 01 Oct 2026 18:40:53 GMT