Beneficiary Required Minimum Distributions (RMD) - Spouse Inherited IRA Current Year

The IRS Code provides special rules that apply when original account owner's beneficiary is his/her spouse. The surviving spouse has the option to treat the inherited account as his/her own or keep it as a spouse beneficiary IRA which has slightly different distribution requirements. The difference allows the spouse to start distributions when the original spouse would have been required to begin RMDs. If the surviving spouse is older than the account owner, this can delay when distributions must begin. Use this calculator to create a hypothetical projection of your future Required Minimum Distributions (RMD) as a spouse beneficiary.