Your 2026 RMD on an Inherited IRA
What has to come out of an IRA you inherited depends on when the owner died, whether that was before or after the date their own distributions had to begin, your relationship to them, and whether the account is a traditional IRA or a Roth. This asks those questions, names the rule that governs your case, and shows the arithmetic behind the amount.
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Calculating an RMD for your own account? Use the owner RMD calculator. Weighing up a Roth conversion? Use the Roth conversion calculator.
Every rule below comes from the Treasury regulations and the Internal Revenue Code, and the whole grid of them, including the cases we will not compute, is published with its authorities. See how this calculator is verified.
Answer the questions above and your 2026 figure appears here. The first few questions decide which rule governs your account, so if this calculator cannot model your case it will say so before you are asked for a balance.