CALCULATOR
Inherited IRA 10-Year Rule Calculator
The SECURE Act ended the 'stretch IRA.' Most non-spouse heirs now have just ten years to empty an inherited traditional IRA, stacking those withdrawals on top of their own peak-earning income — often in the highest tax brackets of their lives. This calculator estimates the total federal tax your heirs would hand the IRS draining an inherited traditional IRA over ten years, compared with $0 on an inherited Roth of the same size. It is the clearest way to see what a conversion today is really worth to the people you leave it to.
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Frequently asked
What is the SECURE Act 10-year rule?
Under the SECURE Act, most non-spouse heirs must empty an inherited traditional IRA within ten years. Those withdrawals stack on top of the heir's own peak-earning income and are taxed as ordinary income — often in the highest brackets of their lives. An inherited Roth of the same size is $0 in federal income tax.
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Illustrative and educational only — not tax, legal, or investment advice. Figures are a 2026 snapshot and change.