When you are the beneficiary of a retirement plan, specific IRS rules regulate the minimum withdrawals you must take. If you want to simply take your inherited money right now and pay taxes, you can. But if you want to defer taxes as long as possible, there are certain distribution requirements with which you must comply. Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

Note: This calculator does not include early 2022 updates to IRS life expectancy charts. This may impact your calculations slightly; MOAA is aware of this issue and is in the process of updating the calculator.